davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
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. (TX)

Delete all accounts and all account information  3. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. XXXX XXXX XXXX XXXX  delete this hard inquiry I did not authorize or accept any offer - XXXX XXXX delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - delete XXXX. Delete and remove XXXX XXXX XXXX  / aidvant - XXXX delete t 6. Delete and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX. XXXX XXXX XXXX  - delete account immediately XXXX. Nav # XXXX - delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXXXXXX XXXX XXXX XXXX  delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX. XXXX XXXX XXXXXXXX - delete account immediately - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - XXXX XXXX XXXX XXXX XXXX delete account immediately - - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - delete
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Hello, On XXXX of XXXX, I received a promotion letter from Citibank where if i deposit XXXX, i'll receive a 300 bonus promotion. I have called several times and each Citibank representative states that i should have received it by now. Last time, i called to complain about this on XXXX XXXX XXXX, i received a customer complaint order # XXXX and I was told it should be resolved before 5 business days. It's passed 5 business days and still i have not heard from Citibank. Please help resolve this issue. Thank you! and Happy XXXX XXXX! 
XXXX
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CO)

South West credit system states I have a det of XXXX I have never work with any company they do business with. Or this deat is per  XXXX XXXX deat. Any thing before XXXX was listed under the XXXX XXXX
Consumer complaint received 2022-01-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SLM CORPORATION (CA)

I have spent the last 1.5 hours trying to open a money market account with Sallie Mae I had an account several years ago. I tried to use the ID I had before and it returned an error that I do not have a current account. I tried to call and get help but no one was able to assist. i spoke with a man first who could not help. he transferred me to a voicemail that said everyone was out on holiday ( This is XX/XX/XXXX ) I called back twice and spoke with XXXX who was very unhelpful and hung up on me. I then spoke to XXXX. She tried to help but did not. 
I have spent TWO hours trying to set up a Savings account and customer care will not assist. 
This is ridiculous! Horrible customer service.
Consumer complaint received 2022-01-03
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. (MS)

I recently disputed the accounts XXXX XXXX and XXXXXXXX XXXX XXXX  with Experian. I disputed these accounts because they were reporting inaccurately. Experian verified these accounts to be accurate and would not remove them. XXXX XXXX has never sent the requested information from my validation letter. XXXX XXXX XXXX never sent me a contract with my signature on it and was asking me to send them information. I, XXXX XXXX, consumer, the original creditor do my validate these accounts or the allege balance. I requested an investigative report for the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  in affidavit form and Experian has not sent requested information. Experian has violated my consumer rights. Experian has violated 1681 ( b ), 1681c ( f ), 1681g ( a ) and 1681e ( a ) of the FCRA.
Consumer complaint received 2024-03-15
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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I had recently filed complaints against Bank of America about taking {$5100.00} from an unrelated business checking account I had with Bank of America. Yesterday, as I had gone to my PO Box to see if my new car registration came, I find a certified mail notice and I learned that Bank of America has filed a lawsuit against me for a personal credit card ending in XXXX for an unpayed debt. I had let them know that I had run into financial trouble last year due to the terminal illness of my mother. I had also let them know that I would not be able to pay them until either my mother either got better or passes away. She did pass away on XX/XX/XXXX of this year. I also had overwhelming expenses encurred due to my not being able to work as much as I was able to normally because I was busy caring for my mother. I was also paying some of my mother 's debts, such as over {$300.00} per month for a SOFI loan she had taken out and other expenses. Since her passing, I took on two other jobs along with my current job to cover existing credit cards and getting my business back in order. The actions taking by Bank of America, and Mr. XXXX XXXX, an employee of Bank of America or one of FIA 's subsidiaries gives me the impression that Bank of America enjoys engaging in schaddenfreude or the pleasure in the misery of people who come onto financial problems due to an illness or death in the family. I had no idea that a bank could stoop so low as to sue someone knowingly, that they have a death in their family. I truly believe that Bank of America wants to render indegent those who owe them a debt. They are a merciless and vindictive organization and after reviewing cfpb.gov and usa.gov and becoming enlightened in all the dirty deeds Bank of America has been involved in, I feel it's high time that the CFPB takes punitive action against Bank of America and shut down all their operations on the territory of the US before they hurt other people. I am also contacting my congressman 's office. I am uploading some court documents with this complaint.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-03-07
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. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I am requesting assistance with issues with XXXX XXXX and Fair Collections & Outsourcing regarding a single family home I rented at XXXX XXXX XXXX XXXX., XXXX, California XXXX from XX/XX/XXXX to XX/XX/XXXX. Uploaded with this complaint are the following items for your review, and for which I am requesting assistance with : 1. XX/XX/XXXX letter from XXXX XXXX demanding payment of unlawful charges. 
2. XX/XX/XXXX letter from me to XXXX XXXX disputing the charges. 
3. XX/XX/XXXX letter from Fair Collections & Outsourcing, representing XXXX XXXX and demanding payment of the disputed charges. 
4. XX/XX/XXXX letter from me to Fair Collections & Outsourcing and XXXX XXXX demanding a response to my initial disputed letter of XX/XX/XXXX. 

All of the above items have been uploaded with this complaint. 

There are several bottom line issues here : ( 1 ) XXXX XXXX inspected the property without first providing notice to or the opportunity for me to be involved in the exiting walk through ; ( 2 ) there were no receipts or photos of the alleged claimed damages provided to me upon my request ; and ( 3 ) after the charges were disputed, XXXX XXXX disregarded my letter of dispute and sent the account directly to collections. 

I am requesting any assistance that you can provide. All of my contact information can be found on my letterhead in the attachments. My email address is XXXX. Thank you.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Today, I write to you not just as a concerned consumer but as someone deeply troubled by how my alleged debt, associated with XXXX XXXX XXXX ( XXXX ) under account number XXXX, has been reported and validated in my credit report. My request, rooted in the Fair Credit Reporting Act ( FCRA ), seeks not only a traditional validation of this debt but also an in-depth explanation of the sophisticated methods you've used to verify and report this information. Could you please share how you use advanced technology, like AI or machine learning, to check and cross-reference data? It's crucial for me to understand how these tools help ensure the information on my report is accurate and how you prevent any possible biases in these automated processes. I'm interested in how you track the origin and handling of my debt information, especially as it moved from XXXX to XXXX and then to you. If there's a high-tech system, like blockchain, ensuring this data remains unchanged and authentic, I'd appreciate insights into how it works.It 's vital for me to see documentation that proves your algorithms and processing methods are in full compliance with the FCRA. I'm particularly interested in how you ensure the fairness and privacy of my information, as outlined in the law. 
Lastly, I'd like to understand both the automated and manual systems you have in place for when consumers, like myself, dispute their credit report information. How do you guarantee these disputes are handled fairly and transparently, in line with legal requirements? 
The impact of potentially incorrect debt reporting on my financial wellbeing can not be overstated. It affects my credit score, my ability to obtain loans, and my overall financial freedom. Therefore, I kindly ask for your prompt attention to provide the requested information within 72 hours. Failure to do so will leave me no choice but to seek further action, I trust you understand the gravity of this situation and will respond with the necessary information and a clear path towards resolving any inaccuracies. Your cooperation in maintaining the integrity and accuracy of consumer credit reports is not only appreciated but essential. 
Thank you for your immediate attention to this matter.
Consumer complaint received 2022-01-03
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report.. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2023-03-01
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

15 U.S.C. 1668 section 602 A. States I have the right to privacy.

15 U.S.C. 1668 section 604 A section 2 : It also states a consumer reporting agency can not furmish an account without my written instructions.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (CA)

I am writing to dispute several items on my credit report that I believe to be inaccurate and unverifiable. Despite multiple attempts to resolve this matter through traditional mail and via the Consumer Financial Protection Bureau ( CFPB ), I have yet to receive satisfactory responses or evidence of any investigation conducted by your bureau.
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Delivery Financial Services, LLC (AZ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX Credit Bureaus and found that this DLVRY FN SVC ( XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DLVRY FN SVC ( XXXX XXXX ) XXXX Balance {$240.00} DLVRY FN SVC ( XXXX XXXX ) XXXX Balance {$140.00}
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (PA)

I contact the collection agency by their email address and have not received any response, Please see below my dispute to FBCS , Inc : Ref No : Ref : XXXX " To Whom it may concern, This is Not my debt. I have never even heard of " XXXX XXXXXXXX XXXX  '' Nor ever had an account with them! I am very upset that you even sent a Collections letter to a XXXX XXXX, such as myself, and I am reporting your agency to the FTC at XXXX. unit. 


I am also sending a copy of your letter to my Attorney to see what recourse I have against the harassment and false accusations against me. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/2022 ''
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

XXXX XXXX loan me XXXX in XX/XX/2017. 

They " hold '' 10 % during 18 months. 

I paid interest for the 100 % of the loan. 

By the date they should deposit me the 10 %, they ask me for my tax return and other documents that I sent. Then, they said with those numbers, they can not deposit the 10 % I said, OK, but give me the new monthly payment number ( 90 % ) but the refuse and still charge me the 100 % of the interest