davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I have tried XXXX to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX : Each time I receive a post card in the mail from XXXX illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. XXXX over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any XXXXXXXX XXXX XXXX like XXXX. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that XXXX seems to feel that its okay to violate my federal rights by accepting XXXX party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

XXXX : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with XXXX XXXX XXXX which is OWNED by XXXX and XXXX stores that information. Again, XXXX is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company XXXX. XXXX gathers it from another XXXX party source know as XXXX  which again are both not direct creditors or debtors. XXXX fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

Equifax : Equifax out of all the XXXX major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again Equifax is guilty of the same thing XXXX does by accepting and reporting from a XXXX party vendor information that I did not give sent to, have frozen and opted out of. 


XXXX XXXX XXXX credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple XXXX party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.
Consumer complaint received 2024-03-20
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 2020-03-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX mail pertaining to XX/XX/XXXX - XX/XX/XXXX from usaa Please note ftc.gov article web : 1 ) Have you ever been billed for merchandise you either returned or NEVER RECIEVED? response YES see attatched Criminal Investigation Letter USPS ( local post office ) dated XX/XX/XXXX. 2 ) Has card ever been charged twice for the Same Item? response. YES statement XX/XX/XXXX PURCHASES ARE ALSO ON statement XX/XX/XXXX {$340.00} & {$210.00} SAME PURCHASES OF XX/XX/XXXX RETURNED ITEMS and XX/XX/XXXX XXXX  ARE THE SAME PURCHASES AS XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED XX/XX/XXXX. Kindly Note ftc.gov web FCBA Apply FOR EXAMPLE : : : A ) Unauthorized Transactions. USAA FRAUD LETTER XX/XX/XXXX CONFIRMS UNAUTHORIZED {$470.00} XX/XX/XXXX CLAIM DATE. 
B ) Charges for which you ask for an explaination OR ** WRITTEN PROOF OF PURCHASE ALONG WITH REQUEST. I have been requesting written proof ** SIGNATURE ITEM WAS DELIVERED INTO MY HANDS. Deliveries delivered by USPS NOT  DELIVERED in that zip XX/XX/XXXX forward because they would not fit in my 2 inch letter mail box AND WERE NOT DELIVERED INTO MY HANDS. Some found outside common ground some XXXX Not Accepted or OPENED. Many were not even ordered by me. See attatched FTC ID THEFT case XX/XX/XXXX. USAA DOES NOT FOLLOW FTC GUIDELINES ALL OF THIS IS TWO ( 2 ) YEARS LATE. Still NO RESOLVE. 
KINDLY NOTE THE ID THEFT REPORT. I AM XXXX. I WILL NOT BE ABLE TO FILL OUT THESE FORMS. USAA IS, and NEVER HAS PROVIDED XXXX XXXX OPTION FOR MY XXXX. I HAVE NO ACCESS.
Consumer complaint received 2020-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CO)

In XXXX of 2019, I canceled my service with XXXX XXXX. I received a confirmation number of this cancellation ( # XXXX ) from XXXX XXXX. Subsequently, my checking account was debited in the amount of {$95.00} by XXXX XXXX for XXXX service which, due to the cancellation, was no longer being provided. I disputed the charge with my Bank and they removed the payment. XXXX XXXX has now submitted this to a collection service, MRS BPO , LLC located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX for payment. I did not receive any such service in XXXX and, in fact, we sold our home in early XXXX and moved to a new location.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I disputed 3 different hard inquiries with XXXX last month, and XXXX 's solution to the problem was to place a fraud alert on my credit report as oppose to just removing the inquiries. This fraud alert makes it harder for creditors to access my credit report for which has been working against my quest to purchase a home.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/2020 I was assessed a late fee on my account # XXXX.Payment was then processed on XX/XX/2020. I have attached proof from my bank my payment was sent on XX/XX/2020 and was received on XX/XX/2020. The bank then held the payment until a late charge would be assessed. This was brought to the attention of the customer service representative. She refused to reverse the charge.
Consumer complaint received 2023-06-09
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. (MS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2022
Consumer complaint received 2023-06-09
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. (IL)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
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. (DE)

In accordance with the fair credit reporting ACT XXXX  account XXXX and 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 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Problem with a credit reporting company 's investigation into an existing problem. Their investigation did not fix error on my credit report.
Consumer complaint received 2023-01-17
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. (LA)

I was affected by Equifax Data breach. I never gave them permission to report my transactions and they did not exercise grave responsibility to protect my privacy therefore it was compromise. 
XXXX, 2022 XXXX XXXX ( closed ) I sent a letter of Data Sharing/Privacy being breach. 
XXXX XXXX XXXX {$1200.00} ( closed ) I sent a letter of Data Sharing/Privacy being breach. 
XXXX XXXX XXXX XXXX {$860.00} ( closed ) I sent a letter of Data/Privacy being breach. 
XXXX XXXX Louisiana XXXX {$140.00} ( closed ) I sent a letter of Data/Privacy being breach. 
XXXX XXXX XXXX XXXX XXXX {$70000.00}. I sent a letter of Data/Privacy being breach XXXX XXXX XXXX XXXX {$40000.00} XXXX I sent a letter of Data/Privacy being breach. 
XXXX XXXX XXXX XXXX {$11000.00}. I sent a letter of Data/Privacy being breach. 
After data being compromised I have had thousands of emails from marketers, countless spam calls, hundreds of mailings from banks, dealerships, credit card companies and calls from telemarketers.
Consumer complaint received 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I had an insurance claim for damages to my property. I was then effected by the COVID pandemic. I went onto a COVID forbearance. My insurance company sent my lender a check for {$3000.00} on XX/XX/2020. My lender applied that money toward my mortgage payments on XX/XX/2020. I now do not have the funds to pay the contractor who repaired my home. I was told it was because the lender had my file under " XXXX ''. I am now stuck without the funds to pay my contractor. I do not know what to do and I believe a clerical error on behalf of my lender should be detrimental to me.
Consumer complaint received 2020-03-05
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. (TX)

What are the Penalties for Violations of HIPAA Rules? The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category,  per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year credit sys 20 accounts XXXX XXXX XXXX $ XXXX XXXX $ iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Consumer complaint received 2024-03-20
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 : - XXXX XXXXXXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, i had a Citi Bank checking account and Credit card from costco. I went to local XXXX branch to send wire about {$5500.00} To XXXX for a Apartment of mine, and the bank closed my account syspecting me of terrorist financing. First day closed my checking account then they closed my credit card from Costco. Also i just read that Citi targeted XXXX-Americans as " bad guys '' according to the article here https : XXXX? XXXX & XXXX It all makes sense now why they would portray my wire to XXXX XXXX as XXXX funding. 
Attached is the wire information and the date that it happened. Please follow up.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (CA)

XXXX day I get an alert from my transunion credit report that my score dropped over XXXX points. I log in to my account and noticed an account reporting as a collection account I never heard of so I called the number to find out Its an online shopping company. The lady didnt have any good reason for placing the account under my report other than its your account sir and we know it so its not going to be removed unless you pay.
Consumer complaint received 2024-03-20
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-01-17
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. (SC)

XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-21
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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
Consumer complaint received 2023-06-09
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. (SC)

It has been brought to my attention 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
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In Accordance with the Fair Credit Act Everything has to be 100 % accurate on my credit report The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate.That is grounds for removal your company are violating my rights under 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.
Consumer complaint received 2020-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has my auto loan. They have a policy of any overpayment being applied to the next payment for up to 3 months. Once you are 3 months ahead they automatically apply overpayments to the principal. They claim that all you have to do is call in to have the overpayment applied to the principal and there is no way to do this electronically. 

So if you pay {$100.00} extra monthly, particularly electronically you also have to call in to get the {$100.00} applied to principal. This is annoying in itself and a burden on the consumer. The real problem is in the call. Unless you are extremely specific, the teller will apply the additional payments to the principal but do it ON THE DATE OF THE CALL, NOT ON THE DAY YOU PAID THE MONEY. Most tellers do not understand the difference and you end up making multiple calls to get them to make it right. 

Most people pay electronically via another bank and would not catch this.