davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

In XXXX or XX/XX/2019, right around the time I was contacting all the credit bureaus about the name change dispute, I attempted to access my annual credit report through XXXX XXXX, XXXX, and, while I was able to get one from XXXX, I was not able to get one from Equifax until I ordered it by telephone in XXXX since I am completely XXXX. 
A few days ago, somebody told me that XXXX  offers a credit boost, in which they consider telephone, internet, and utility as a means for building credit. I tried to sign up for this, but when I answered the verification questions, only one of those questions matched what they had on file. everything else they had was based on random information. I tried to create an account two times, but I was not successful. 
I called XXXX  during business hours at XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but both of these numbers only led to an interactive voice response system with no way to be transferred to a live person to have this resolved.
Consumer complaint received 2020-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I transferred XXXX into my checking account from my savings account then. The bank transferred it out and it state to whom or where other than. Reference number it was transferred illegally un authorised to someone else or was stolen. By a bank employee this is fraud my identity has also been stolen along with my passport birth certificate IDs and medical record information I large amounts of money as a little kid in XXXX with XXXX County XXXX XXXX Ref : XXXX XXXX ( XXXX ) also was involved in a car accident in XXXX in XXXX county of XXXX and XXXX XXXX on the on ramp to the XXXX XXXX XXXX the driver was the son of owner of the food chain longs drugs supermarket he also owed the insurance company that insured the hospital & XXXX and XXXX XXXX XXXX seat I flew out of and XXXX XXXX County The case was reference under XXXX  XXXX  XXXX XXXX XXXX estate & irrevocable trust. The city of XXXX XXXXXXXX has the paper work and XXXX XXXX which is the executor of his brother in laws trust which was left to XXXX boy lagacy? XXXX XXXX he was my elementary school principle and it was either him or his lover who crashed into us on XX/XX/XXXX-XX/XX/XXXX XXXX XXXX day or XXXX Sunday in XXXX.
Consumer complaint received 2024-08-16
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. (LA)

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. 

XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX # XXXX XXXX has violated my rights -XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX # XXXX, has XXXX XXXX rights XXXX XXXX XXXX # XXXX, has violated XXXX XXXX XXXX XXXX # XXXX, has violated my rights -XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX # 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 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 2021-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2016. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Consumer complaint received 2023-06-09
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. (AL)

I have been disputing this account Bankruptcy Case number ( XXXX ) on my credit file with proof for 12 months with XXXX, Equifax with the investigation coming back as verified each time. 15USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a 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 crime which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has been reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case included. I have a letter from the court stating they don't report to credit bureaus have a letter from lexis nexis saying the bankruptcy was deleted from their report so how can XXXX and Equifax could have done a proper investigation. I sent same information to XXXX and they removed the item from my credit file.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion failed to conduct a reasonable reinvestigation to determine the validity of the disputed XXXX XXXX late payment. I need them provide verification of all information they used to investigate my dispute, to include a standard form outlining the general characteristics of such information. who did you talk to at XXXX XXXX, when did they talk to them, and I also need the name of XXXX XXXX of contact name and address. As per The Gramm-Leach-Bliley Act XXXX XXXX must explain their information-sharing practices to their customers, which I received no such notice to safeguard my sensitive data.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IN)

I asked CITI in XXXX to stop automatic payments and they accessed my account 4 times after. I called again to warn them to quit committing fraud on my account and they said they would stop and reverse fees. I still have received no payment for unauthorized transactions.
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX || Account Number : XXXX - Creditor : XXXXXXXX XXXX XXXX  || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX  || Account Number : XXXX - Creditor : XXXX XXXX || Account Number : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reveiwed my credit report recently and there is a fraud account from XXXX XXXX account number XXXX which I did not authorize nor do a have a contract with this company or XXXX. 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. Being that this is not my account then it could not be accurate.
Consumer complaint received 2020-03-27
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I called HSBC bank to do a balance transfer from XXXX XXXX  in the amount of {$4100.00} HSBC bank systems took over after I already spoke with the HSBC agent that helped me do the balance transfer over the phone and sent {$850.00} to the wrong account agent said it was a system error on HSBC part it went to the wrong account then the system took over again and did a {$3300.00} transfer to XXXX XXXX. Still today I did not authorize a {$3300.00} transfer I authorized {$4100.00} transfer this has been going over for a month now trying to get this fixed I spoke with head supervisor no credit card department mr. XXXX as he promised he would fix this situation immediately every time I call he is unavailable and it is still unresolved and it is a fraudulent transfer that has not been authorized for {$3300.00} only for {$4100.00} has been authorized I need help to resolve this as I am getting nowhere
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

On XXXX I contacted Credence Resource regarding an account they were attempting to collect on. In term they sent a letter saying they were ceasing collection activity and thus removed the account from my credit file. On XXXX I got a notification that a new collection had been added to my XXXX   credit report. After logging in I saw that Credence has reported the same account that was once deleted but with a new account number making it look like I this was a new and recent collection account. I then checked my XXXX  report and noticed they had reported the new account on there also. I have never received proper validation for the account they were trying to collect on. Their reporting caused a huge drop in my credit score because apparently they re-aged the account.
Consumer complaint received 2022-12-28
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2021-08-01
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: EQUIFAX, INC. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (SC)

After divorcing my husband back in 2018, he purchased a home in the same town. Someone how flagstar had gotten incorrect information that the property at XXXX XXXX  XXXX with loan # XXXX was marked as a " second home " thus increasing my monthly payments by triple. Flagstar refused to assist in gathering the correct information and made it my responsibility. After getting the the correct documents they were able to do several escrow analysis ' and FINALLY had the correct monthly payment. But only moving forward. They were not able to retro-act the past " bills '' and showed that I had late or missed payments refusing to apply the payments I was making each month ON TIME. This is my 5th home I have owned and have NEVER had such terrible customer relations or service. They don't care that I am a person whose life they have destroyed with my credit. Showing me deliquent on 6 plus months has dropped my credit from a XXXX to a XXXX. All my credit cards have turned off. Business line of credit shut off and am unable to purchase my next home as this one is set to close on XX/XX/XXXX. I have had my own personal attorney write 3 demand letters on 3 separate months requesting information and explanation as to the disputes we had claimed, only to get GENERIC letters back with nothing addressed.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I applied/was accepted for the Gold Delta American Express ( Amex ) card on XX/XX/XXXX, as they were offering : - {$200.00} statement credit after making a delta purchase within the first 3 months XXXX bonus miles after making {$1000.00} in purchases within first 3 months I was accepted for the card, used it on Delta flights the very first day, and met the required spend amount to get the bonus miles too. I called on XX/XX/XXXX and the agent I was on the phone with said I had fulfilled all of the necessary steps for the bonuses, and to expect them on my next statement. After that statement passed, I called again and talked to a different agent - she said I was not eligible for this promotion as I should have received a popup when I applied, but I did not, otherwise I would not have gone through applying and definitely would not have put so much on this card. I am confused and disappointed about how two agents can say two completely opposite things, and how companies are allowed to just renege on their terms that they offer.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX  reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX  before I was told the balance was paid it`ll be removed
Consumer complaint received 2023-05-13
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)

XXXX XXXX XXXX XXXX is reporting an account with a mailing address that does not match the address reported on my consumer reports, utility bills, or bank statements. XXXX XXXX XXXX XXXX XXXX provide statements to the consumer reporting agencies and myself showing the corrected mailing address?