davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (GA)

Hi, PayPal recently shut down my account without warning. They stated that my account was shut down because of " unusual activity. '' They did not ask to see any records or invoices, nor did they ask or try to help me resolve this issue. I then emailed them asking why my account was shut down, and on XX/XX/2018 they sent an email saying my account was shut down because of " unusual activity. '' Why don't they help me figure out a solution? Why don't they ask for more information about my business? Why don't they tell me which kinds of transactions are unusual and why?
Consumer complaint received 2017-07-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

See attached Cease and Desist # 1 letter which I sent on XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on   XX/XX/XXXX , I c alled   XXXX   and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,   XX/XX/XXXX  to pr esent,   XXXX   XXXX   since   XX/XX/XXXX  t o present and more. See attached letters of my conversation and list of documents.
 XXXX 
I called again on XX/XX/XXXX   XX/XX/XXXX   following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on   XX/XX/XXXX .  We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to   XXXX    validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan w ith JP Morgan Chase, EMC and other questionable issues.
Consumer complaint received 2024-03-18
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)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please amend or rectify the following accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (AZ)

My bank has a new Digital Banking login, it is hard to understand and does not show balance after transactions or pending payments in a way that helps show how transactions are being posted. I was expecting to get   XXXX   overdraft fee this month, instead I have gotten  XXXX . This is because they pay the highest amount item first and the smaller amounts after causing the fees to be {$200.00}!!!! They should really get an account at   XXXX   XXXX   and see how an online banking account should work. The fees are out of control and should not be allowed, I need a refund of all but  XXXX  of these fees as soon as possible!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On the date of XX/XX/22 ( attached ) I mailed a letter to Transunion, disputing several accts that had erroneous information on them, which subsequently are damaging my Credit Score & in direct violation of the Fair Credit Reporting Act. Transunion received this letter on XX/XX/22. There was no response so I sent an additional letter on XX/XX/22. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is in direct violation of the FCRA : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX I have given Transunion more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They REPEATEDLY refuse to do so. They have not even responded. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.
Consumer complaint received 2017-07-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (MA)

About a year ago,   XXXX   of 2016, I received a notification in the mail that it was my last chance to take advantage of a special program that provided relief for people buried in student debt. I investigated by calling the number that was provided and was guided through an information exchange process by a woman named   XXXX   XXXX  . She claimed that if I gave her company my tax and personal information, I could partake in her company 's program that, in her exact words, " would wipe out my federal student debt after 20 years of payments to them. '' This company was EQUITABLE ACCEPTANCE. What I did n't know was that the way she planned on doing this was by lying on my behalf on a federal form. EQUITABLE fraudulently reported to  XXXX , my loan servicer, that I had as many as   XXXX   dependents in order to get a $   XXXX   monthly payment, then charged me {$40.00} a month for it. It shows up on my credit report as a credit card thats maxed out, on which I am making minimum monthly payments. EQUITABLE applied MY SIGNATURE to false information on MY BEHALF, took advantage of the stressful situation I was in, misled me with half-truths and took my money.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PROSPERITY BANCSHARES, INC. (CA)

Prosperity Bank in XXXX lied and charged me fees I specifically asked about. When I was going to school in XXXX, I opened an account here. I also had one in XXXX with my parents. I had to move to XXXX  for work. Before I moved, I called specifically to ask if I would get charged any fees on my account. I was told that I would not because I have another linked account that is over the daily balance. So I kept the account open so that I could move money between just in case. They never asked for an updated address even though I mentioned moving. They never updated my XXXX  address, so I never received the statements. I logged in and realized that they had been charging me {$10.00} a month for the last year. I've tried calling customer service but they said a local branch manager has to authorize any refunds on fees. I've been trying multiple times and haven't been able to get a hold of said bank manager. The last time I called, I even tried to go through customer service to connect me to the bank manager but they were " too busy '' to talk to me. I'm a medical resident working sometimes 80 hours a week in XXXX  and the hours are really difficult to line up and speak to this person. Their behavior is predatory, and they are lying and hoping people won't notice This has been my worst banking experience.
Consumer complaint received 2023-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I called experian on XXXX, XX/XX/2023, around XXXXXXXX XXXX. XXXX. I spoke to a fraud XXXX in XXXX XXXX named XXXX. After he said his name, the call became silent and there was a long moment of dead air. XXXX stopped talking. I kept saying Hello? Agent are you there?, however, there was no response. This is known as call-avoidance and is inappropriate. As a result, I was unable to file a fraud dispute by phone. In addition, I was on a long 30 minute hold to get to XXXX. Experian needs to correct this issue because it has happened to me multiple times in the past. I have the phone call recorded for proof.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

late payments inaccurate was suppose to be in deferment status. 
XX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX
Consumer complaint received 2024-03-18
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. (NJ)

There is a company that I have never heard of or heard from ( Not by phone, mail or email ) that put a collections on my credit report stating they are collecting for XXXX as of XXXX. I do not have XXXX and have not had XXXX for over 8 years. I have never received any collections from XXXX. This company did not follow the fair credit reporting act. When I disputed it with XXXX they stated they investigated it which was false as there is no documentation of this debt or any communication provided to me. The company is called XXXX XXXX XXXX the amount is {$910.00}. So I would love to know how the account and information of me owing this debt was verified.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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. 
I requested XXXX, XXXX, and Equifax to conduct a thorough investigation into the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my request, they affirmed the accuracy and completeness of the information provided. However, discrepancies such as : Account # Account Type Account Type Detail Bureau Code Account Status Monthly Payment Date Opened Balance No. of Months ( terms ) High Credit Credit Limit Past Due Payment Status Last Reported Comments Date Last Active Date of Last Payment The categories mentioned above, raises questions regarding the accuracy of the reported data, totaling 32 violations. As per 15 USC 1681i ( 5 ), these agencies are mandated to rectify any inaccuracies in the accounts they report.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to any consumer reporting agency by individuals who have knowledge or reasonable belief of its inaccuracy.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I closed all my accounts with citizens bank, ( which are all under my personal name ), with the XXXX XXXX XXXX mgr, XXXX, back in XXXX a month ago I see a 30 day, {$20.00} fee late payment my credit report. After several calls, I got a rep who gave me a credit for the {$20.00}, and would sent the info to " credit dispute '' to look at and remove the negative report, and they would be in touch with me. Neither has happened. I keep trying to reach somebody in that department, and am always told they have no phone number. 
They are hurting my credit report for an inarticulate report of late payment, after the account was closed, and amount credited.They need to be sure of the situation before hurting my ability to borrow money, and should be able to be reached to quickly resolve problems! This is irresponsible of them
Consumer complaint received 2022-11-28
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2023-03-17
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-05-10
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: Experian Information Solutions Inc. (MO)

On  XXXX   XXXX  I dispute d 2 common wealth accounts that was listed on my Experian report In which one account was rem oved but the other remained. I send the validation letter with a return receipt to make sure it was received. I have no knowledge or record of the common wealth account being reported on my report. I have disputed this unknown medical account with the reporting collection agent and havd no valid response. I requested for physical proof of verification to this alleged account that is being reported on my credit report.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

its been over than 30 days and the creditor has not update the information nor has provided proof or documentations in regards a late payments they have not supplied this information and they must delete allege late payment on my credit report. under federal law they had 30 days to complete the investigation and by falling to do so the item must be deleted from the report as as soon as possible.
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

On my credit report, it shows that an American Express card was opened under my name and with my social security #. I have spoken to AMEX several times and also had an XXXX report done and was told this issue was confirmed as identity theft and that the cause would be resolved. Please help me remove this from my credit report immediately and permanently.
Consumer complaint received 2022-02-12
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. (PA)

I recently obtained a copy of my credit report, which containsaccounts I can't remember ever having! I have no idea what these accounts are and request they be removed. I am a viticm of identity theft and ask for these accounts be removed immediately. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. 
Also i have enclosed copies to the FTC.