davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (NC)

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.

The letters are stated with items and issues.

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 2023-08-15
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. (VA)

XXXX XXXX XXXX wrote by Fax : The settlement on your home equity line of credit is complete. 

What this means to you We will no ionger seek payments on this account. Your home equity line of credit was charged off on XX/XX/XXXX. 

Weve closed the account and will notifythe credit burcaus tho-account has been settled for less than the full balance. 

There may be tax consequences as a result of the settlement. 

All three agencies show a charge off date in XX/XX/XXXX not on XXXX
Consumer complaint received 2024-03-14
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. (IN)

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 2023-08-15
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. (CA)

I closed a loan with them in XX/XX/XXXX & they're claiming it closed in XX/XX/XXXX. They are aware of the issue & said they'd fix it months ago. I've disputed it with the credit bureaus twice & they're failing to provide me with any verification or proof. I need this issue handled ASAP as it's impacting my credit & ability to close on a new loan. Please repair this account ASAP.
Consumer complaint received 2019-12-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (GA)

I opened a savings account with BBT in XX/XX/2018.

I deposited a check in this savings account which was placed a hold until it cleared. The check was returned due to the account being closed and this was done in error. There was no ill intent in which I am being accused of. Needless to say there was no money ever received and any returned fees were all paid in full.

In the process of all this, I was having XXXX from my XXXX access savings account transferred into my BBT account. BBT decided to close my account due to this returned check issue which is their choice, however BBT has failed to return my deposited funds to me. I was told in order for me to receive my funds back I would need to visit a branch. I went to a BBT branch on a weekend day and was advised I needed to see the branch manager in which they were not there or available.

My profession requires me to travel and I am gone from for long periods of time. 
Furthermore, I didnt visit a branch to open this savings account, I didnt visit a branch to make my deposits and I never received a signature card from BBT to sign off on this account. BBT decided to close my account and they should not be allowed to withhold my funds for over 1 year!!! How can you close an account and keep the funds??? There is nothing on the terms and conditions that says they have the right to do this!

I need to know where in the terms and conditions does it say they have the right to do this!!

How long can they legally hold these funds?

What legal rights allows them to do this?

Where in the terms and conditions does it clearly state they can do this?

How can you close an account but keep the funds on a closed account, however when I called CS Dept., I am being told the account is on hold. Is the account closed or on hold??
Consumer complaint received 2022-10-16
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. (GA)

In XXXX my mother opened a XXXX credit account using my personal information. Due to my still being in the XXXX, in the middle of a XXXX XXXX, I certainly could not have ordered the items she had nor did I order the subsequent items she charged to the account. Nevertheless, I added the item to my XXXX  XXXX bankruptcy the following year starting in XX/XX/XXXX. I acknowledge that this is the assumption a debt is valid but that is not the reason for my issue today. 

As I said, the bankruptcy was filed in XX/XX/XXXX and XXXX in XX/XX/XXXX. And the account in question ending in XXXX was added to that and XXXX was contacted by my bankruptcy attorney. Four years later in XX/XX/XXXX, I am notified that XXXX has reported a recent delinquent payment for XX/XX/XXXX. I had not, neither before, during, or after the discharge of my bankruptcy done any business with XXXX. In fact, the only online portal I have access to via the email my mother fraudulently opened my account with shows no information regarding orders, shipments, or late payments. 

Initially, I was attempting to remove the previous late payments of XX/XX/XXXX due to them being family fraud. Not wanting to cause legal issues for my mother or pay the balance she left, I let it go. This was before realizing that there is a multitude of consumers who had XXXX open " XXXX '' accounts using their information, adding in many unknown late or missed payments for balances transferred from their original account. It now makes sense what error may have occurred, my old account information including the balance from the discharged debt may have been transferred to this new " XXXX '' account and like many others, I unknowingly received a missed payment for an account I did not consciously open. After disputing this with all three bureaus, only one remains with the late XX/XX/XXXX payment and that is Equifax. Reading the investigation, Equifax affirmed incorrectly an account balance and the date. 

I have not been provided with a statement of any new account information, balances, items purchased, or anything to confirm that I did indeed open another account. I challenge XXXX to provide this information.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (VA)

I have contacted XXXX their attorneys and their collections agency. I have been to court with their attorneys and was told if I sent them everything they requested they would handle then case outside of court. They asked for an XXXX XXXX affidavit a police report and the statement from XXXX. I supplied all of those items and have not heard anything back. I have also created a fraud alert and froze my credit at all 3 reporting companies. Yet I still have heard nothing from them. We have court next week and I have no idea if I am still supposed to go or not and court is almost an XXXX XXXX away I would appreciate it if they would keep their word and prosecute the people I told them had access to my information and the ability to set this account up in my name.
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (IL)

Hi my name is XXXX XXXX I am writing because I have a pass balance due on my last place I had move because my income and hours had drop they was telling me I had to pay different amounts almost every month and they lost my money order I have bank records of me getting a money order to write to the company .and they made me pay back the money they stolen from me .I can get receipts for that amount and know the debt caller calling me I told him I can pay in XXXX he told me I had to pay know but I just move I don't have the funds know .I 'm willing to pay in XXXX but he said I can't pay in XXXX please help me with this case
Consumer complaint received 2024-03-14
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. (IL)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

This is not a duplicate. XXXX XXXX XXXX will try and tag it as as a duplicate. 

The fair credit reporting act states that any information reported by a creditor, collection agency, furnisher, must have accurate, fair, and complete data and as you will see on the attachment there are days that arent even reported. This is in violation of law, and financial data has been warned of this violation before and it has been over 30 days with no correction.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (AZ)

I applied for Discover and was approved. Used card once on XX/XX/2019 at XXXX XXXX at XXXX   XXXX XXXX in the amount of {$24.00}. 
I logged in and changed my card design to Rainbow design which i originally requested but Discover sent me a blue card and i added my spouse as an additional/authorized user. Tried to log in online but website said i need to verify suspicious activity and click to verify. I clicked and screen said i need to call fraud department. Called and verified all information. Lady said everything was fine. Tried to log into account and was given the same statement, need to verify suspicious activity. Card was blocked by Discover and still is. I have set up a bill pay in the amount of my purchase at XXXX, {$24.00} from our joint checking account ( my spouse and i have a joint checking account with XXXX XXXX Bank ). 
It is absurd for Discover to block my account.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-05-18
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Truemper, Titiner & brouch Ltd (IL)

On XX/XX/XXXX, I went to XXXX XXXX XXXX and filled out a credit card application. I was given a credit card, however I never entered into a contract with XXXX XXXX XXXX XXXX because I only filled out a credit card application. There were never any terms of an agreement, payment schedule, or annual percentage rate disclosed to me as required under the Truth In Lending Act. There was never a contract signed by me agreeing to any terms. XXXX XXXX XXXX of Truemper, Titiner & Brouch , Ltd filed a complaint on XX/XX/XXXX alleging there was credit card agreement that said I agreed to paying interest in the amount of XXXX XXXX, paying late payments, court costs, and reasonable attorney fees, but there was no agreement given to me that was signed stating I agreed to the terms. On XX/XX/XXXX, XXXX XXXX XXXX of Truemper, Titiner & Brouch filed a citation to discover assets which was unfair and deceptive because there was never any evidence presented stating I agreed to the alleged terms stated in the complaint. XXXX XXXX XXXX of Truemper, Titiner & Brouch engaged in unfair and deceptive debt collection practices by filing a complaint and then issuing a citation to discover assets which has had me going to court for over a XXXX. XXXX XXXX also called me on at least XXXX occasions and used abusive language and hung up on me when he didn't like my answers.This is unfair because XXXX XXXX XXXX XXXX violated XXXX and engaged in deceptive practices by leading me to believe I was filling out a credit card card application, when in fact they were using that application to get credit on my behalf which is also identity theft because this was never disclosed to me.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX have 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 an 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 2023-02-16
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. (CA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2024-03-14
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. (IN)

Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, Transunion and XXXX are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Equifax is showing a charge off from Applied Bank with a balance of {$140.00}. I have NEVER had a credit card account with Applied Bank and when I reached out to them at XXXX XXXX XXXX I was advised that I had no account with them. I need this account removed from my Equifax credit report immediately.
Consumer complaint received 2023-06-27
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. (IL)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

TODAY, XXXX, I RECEIVED A LETTER FROM BANK OF AMERICA STATING THAT THEY DECLINED MY REQUEST TO OPEN A DEPOSIT ACCOUNT WHEN I DID NO SUCH THING. AT NO TIME HAVE I TRIED TO OPEN AN ACCOUNT WITH BANK OF AMERICA. 

I CALLED THE NUMBER ON THE LETTER FROM EARLY WARNING SERVICES AND THEY ADVISED THAT I MAKE A CLAIM WITH FTC.GOV.