davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX. 

Re : Dispute of Account Status - Account with XXXX XXXX, Reported by XXXX. XXXX XXXX XXXXXXXX Dear XXXX, I am writing to dispute the status of an account reported by your agency, XXXX. XXXXXXXX XXXX XXXXXXXX, regarding a transaction with XXXX XXXX. According to your report dated XX/XX/XXXX, the account status is marked as " Paid, '' which is accurate. However, I have concerns that need to be addressed to ensure my credit report accurately reflects the closure and satisfaction of this account. 
Account Details for Reference : Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$72.00} Date of Last Payment : XX/XX/XXXX Status Date : XX/XX/XXXX Balance Date : XX/XX/XXXX While I appreciate that the account status is correctly listed as " Paid, '' I want to ensure that there are no discrepancies in how this account 's payment history or status is reported to credit bureaus. The account 's resolution is crucial for maintaining the accuracy of my credit report and my overall financial health. 
Therefore, I kindly request : XXXX. A detailed account statement reflecting all transactions, including the payment that satisfied the account balance. 
XXXX. Confirmation that this account has been reported as " Paid '' to all three major credit bureaus ( Equifax ) but not reported to XXXX, and XXXX along with the date of this reporting. 
XXXX. Assurance that no further reporting will inaccurately reflect the status of this account, given its full settlement as of XX/XX/XXXX. 
Your prompt attention to this request is greatly appreciated. I hope to resolve this matter swiftly to avoid any potential negative impact on my credit score due to reporting inaccuracies. 
Please send me a written confirmation of the actions taken in response to this letter within 30 days of receipt. Should you have any questions or require further documentation from my end, do not hesitate to contact me at XXXX or XXXX Thank you for your cooperation and understanding. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-19
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. (CA)

I have filed disputes with Experian, XXXX XXXX XXXX back in XXXX of 2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I have attempted to contact Santander Consumer via dispute letters. I have never received a response from them. 

After contacting my Attorney General Office here in Georiga I was advised that Santander Consumer USA is involved in litigation and the item being reported falls under litigation items with the company.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2020 I booked a room on XXXX for the amount of {$480.00} However, this amount of {$480.00} was either charged twice by XXXX or posted twice by Barclay Credit Card ( duplicate charge ). 

I had immediately called XXXX to cancel the room. On XX/XX/2020 I was only refunded once the amount of {$480.00}. There is still a remaining {$480.00} outstanding due to me. 

I have called XXXX over 5 times and was informed that there was only one purchase and cancellation on record and not two purchases as shown on the Barclay statement.

I have called Barclay Arrival Plus Credit at least 10 times and filed disputes on the duplicate charge. The result determination is always - since the merchant has refunded you the purchased amount this case is considered closed.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There are 2 accounts with Bank of America that can not be found with Bank of America but is reporting on my report. I have opened various disputes but the account remains. I do not know what to do. 

One account is closed with a balance of XXXX and XXXX. 

Please help me remove these accounts.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX. 

Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-03-27
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. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-01-20
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 have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  -- XX/XX/XXXX XXXX  -- XX/XX/XXXX EQUIFAX  XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I most recently spoke to a representative from credit acceptance on XX/XX/2020. She confirmed that my initial past due balance was about {$3200.00} but could not explain how it has gone up to over {$4000.00} since then even after agreeing to pay more each month to reduce that amount. My account still shows as either XXXX or XXXX depending on who's reporting and none of the payment history is consistent across the 3 major bureaus. Even if I was 180 days past due my balance at worst with late fees would be around {$2600.00}. Its likely the total balance owed is incorrect as well because of this. It almost as if there are hidden fees or interest being added that was never discussed with me because my payments are not improving the past due status and this is affecting my credit more than it should be.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX ( Credit Collection ) Opened XX/XX/2018 {$30.00} Original creditor : XXXX  XXXX XXXX XXXX  I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have been a Bank of America customer for 14 years. 

On XX/XX/XXXX, I was alerted by Bank of America over text message that there were three potentially fraudulent transactions being taken. These charges, taken within the same minute, were charges of {$87.00}, {$470.00}, and one over XXXX XXXX XXXX which got declined. Upon receipt of these texts I immediately called BofA to tell them those charges were not from me, and request that my card be cancelled and to have another one sent to me. I informed them that I had my card on my person, which the BofA rep said was strange because the person using the card used a chip, but that she would take care of the matter immediately, credit my account back and open a fraud case. 

I was confident that this would get resolved easily as I was in Connecticut, where I live, and the fraudulent charges were occurring at a XXXX  in XXXX, New York. I had also used my card at a physical XXXX XXXX store in XXXX, CT only a few hours earlier. I could not be in two places at once. Additionally, the rapid, incrementally larger charges were pretty clear cut fraudulent behavior. Lastly, I have been a good customer of Bank of America for over a decade with no history of something like this happening. I trusted Bank of America to take care of this for me. 

On Wednesday, XX/XX/XXXX, I look at my BofA app and see that I have two " Fraud Dispute '' charges of {$87.00} and {$470.00} put back on my card. I called BofA immediately and they said that the claim was denied and that because a chip was used then it must have been me or someone else that had my card. 

I have called multiple times to file complaints and ask that this get looked into further. I was informed that I'll hear back in approximately 90 days on the results of this claim, but I assume that this will again be thrown out as " a chip was used. '' No one at BofA has reached out to me to explore anything further, ask questions about how I could be in two places at the same time, etc. I'm not sure how I went from being a valued customer to a liar and a criminal so quickly in BofA 's book, but I need this to be resolved as I do not want to just throw away {$600.00} that I did not spend.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

At this time, I respectfully request a copy of my XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS/INQURIES ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Equifax is not providing any means to acquire my credit report as required by law. I have attempted to request my report through the tool for free annual credit reports website, through another credit reporting agency 's all-in-one paid feature, and directly through their website. 

Equifax 's website features appear to be de-funct. Several items on my report summary are inaccurate and the accounts have a "? '' with an unidentified creditor name. I am unable to view or dispute any items on the Equifax website. Although their website states you can also request your report by mail, the required form attachment is not a pdf as indicated. The form is not ADA-compliant and the form 's program is unrecognizable to my computer and unable to download. 

Equifax 's on-line verification process does not provide options consistent enough to verify my identity. I have been asked questions for identity verification where none of the answers are correct and there is no option for " none of the above ''. I am a former XXXX employee whose information was previously hacked and it is extremely important to me that I am able to access my credit reports to insure my identity has not been stolen. I do not understand why Equifax is allowed to operate in this manner and make it so difficult for consumers to access their credit? Are n't they required to provide an accurate means for consumers to access and dispute adverse information?
Consumer complaint received 2021-01-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (OH)

reported complaint XXXX at XXXX XX/XX/2021 after communicating with XXXX XXXX XXXX 4 times today I received another call at XXXX it was a message asking me to call. I called the number back again and I told the gentleman I received a call he said we already talked to you and I replied I know but you called again. The gentleman transferred me to a female she did not provide her name I advised they called again and she said it was their auto dialer to which I replied please remove my number and she said no you will continue to get calls until you resolve the matter. I replied that is illegal I will just file another XXXX  and XXXX complaint and ended the call.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed Consumer Financial Protection Bureau Complaint # XXXX more than one month ago and always receive the same form reply 's and rhetoric. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item. Transunion and XXXX  have failed. They shuffle paper and feel as if they do their job. XXXX XXXX XXXX XXXX does nothing. I requested Transunion and XXXX to have XXXX XXXX XXXX XXXX to send proof of the permissible purpose used to access my credit report for fraudulent loan # XXXX and dated copy of credit report. 
XXXX  XXXX XXXX XXXX responded and verified that the disputed information was accurate as reported and result summary was sent to me. XXXX XXXX has refused to send result summary.
Consumer complaint received 2021-01-19
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. (TX)

I requested the documents used determine that an account XXXX XXXX XXXX XXXX XXXX XXXX on my credit report was valid when I challenged this debt and provided documentation to validate my claim. The bureau failed to provide me the documents used as a part of the investigation.
Consumer complaint received 2021-01-19
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. (PA)

I sent my dispute letter on XX/XX/XXXX and I file a complaint to the CFPB on XX/XX/XXXX because i didn't get any results back from the 3 bureaus in the 45 days they have to reply. When i sent out the complaint they said that it was a third party and wasn't me that sent out the complaint and for that they wouldn't do anything about the inaccuracies on my credit report. I feel like i'm being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

My chase bank account was closed on XX/XX/2020 and till this moment Im yet to receive my money in the account {$4500.00}, they said the account was closed due to suspension activities, all my effort to talk to them on phone and in branch as yield nothing, they threatened with FBI investigation I dont know why cause all my money in the account was either from my XXXX account or XXXX  which is from friend family and business. Please I need you to look into this as its taking forever and no one will tell me when Im getting my money back, I XXXX XXXX XXXX XXXX and Im not getting any income all my money was in the said CHASE BANK ACCOUNT.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!