davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has not satisfied debt. XXXX -XXXX XXXX XXXX XXXX has not satisfied debt. XXXX -Untitled XXXX XXXX XXXX has not satisfied debt. XXXX XXXX XXXX XXXX XXXXt has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX 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 2022-04-19
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. (WI)

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. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

- The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

I made a payment on XX/XX/XXXX that was not credited to my account. I made 3 additional payments to the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have attempted to dispute this, multiple times. The timeline is as follows : a ) XXXX dispute no one at GS gave me a number for this one. When the XX/XX/XXXX payment came in, they claimed that was the missing payment ; but if that is the case then they never credited me for the XX/XX/XXXX payment. But they do show a credit on XX/XX/XXXX. It is hard to know which of the two payments they credited b ) XXXX this was a payment dispute. When the support person contacted me and asked me to send the cancelled checks as evidence this was converted to a Name Change request because GS only has one form to request documents and that form is a name change form. I both physically mailed the evidence of the cancelled checks ( in XXXX ) AND emailed it ( XX/XX/XXXX ). I noted in the cancelled checks that were sent that this was a payment dispute and NOT a name change. ( This dispute was initiated in XXXX ) c ) XXXX I received a response saying that the previous dispute was closed without crediting my account with the {$250.00}. They sent me a generic email saying they tried to contact me. They did not give me any details regarding why they did not credit. I suspect it is because this became a name change in the GS system that it was not handled properly. This occurred on XX/XX/XXXX. I challenged the lack of credit and was issued dispute # XXXX. 
d ) On XX/XX/XXXX I received another email saying they had tried to call me and had resolved my dispute. When I called, they said that the dispute XXXX was still open. When I challenged the fact that their communication ( email said something different ) I was passed to a number of people and the entire chat lasted more than 4 hours. As a part of that discussion, they opened another dispute XXXX on the same issue.
Consumer complaint received 2023-06-27
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'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 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 2019-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

The original creditor of this fraudulent account sent me a letter stating that they have removed the account from the credit reporting agencies and that it is no longer being pursued. Well it was removed within the last 30 days under the XXXX XXXX XXXX but now there is a totally new account that has shown back up for a {$1000.00}, which is way higher than the {$100.00}, & {$250.00} that it was previously listed. 
I'm not sure what is going on with this creditor. But this is causing me to not get approved for a house I'm trying to get pre-approved for. 
This is not fair to constantly having to dispute back and forth when they have already received all the proof of fraud, which is why they deleted the previous 2 disputed accounts.
Consumer complaint received 2022-04-19
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. (GA)

XXXX is not accurate with they information u can never get one otp to help they score is way different from the other two credit company they refuse to delete secondary company but got original one deleted they moving to slow and what they doin is illegal and I did not ask to share my info which is illegal not with my consent
Consumer complaint received 2022-04-19
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

This is so annoying & frustrating. Ive sent the credit bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the credit bureau 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX and XXXX XXXX Open Date XX/XX/XXXX.
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. (TX)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.
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: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXXXXXX Unpaid Balance {$2200.00} ; XX/XX/XXXX XXXX XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (NJ)

I got a response from XXXX and Equifax one stating information I provided has been updated and the other saying no credit report file in data base so Im totally confused to why they wont delete these dinosaur accounts thats affecting my credit score and holding me back from progressing in life. And I still havent heard anything from XXXX.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I hold XXXX credit cards with Bank of America. I was enrolled for autopay on both cards using my checking account at XXXX XXXX. I recently closed my XXXX XXXX account and moved my checking account to XXXX XXXX. I neglected to update my autopay settings for my Bank of America credit card, and consequently my automatic payment for XX/XX/2022 was returned. 

As a consequence of this returned payment, Bank of America automatically and completely disabled my access to their online bill payment services for all of my credit card accounts. As a result of this automatic deactivation, I was not able to update my payment information in order to make payment from my new checking account with XXXX XXXX. 

This policy is highly damaging to consumers and should be prohibited. A consumer whose payment is returned is already subject to fees and penalties. Terminating access to the online payment system makes it more difficult for the consumer to correct the issue and make payment to the bank, avoiding further penalties and interest. 

Blocking the consumer 's access to Bank of America 's online payment system makes it more difficult for the consumer to make a payment, resulting in more fees for the bank. If the consumer 's payment is rejected/returned, the consumer should nevertheless be permitted to continue to access the online payment system, in order to submit updated payment information and make payment from a different source. 

Other card issuers do not impose this harmful policy of locking consumers out of the online payment system after a returned payment. Bank of America should be prohibited from doing so.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have discovered discrepancies in how my personal information is reported across all three credit bureaus. My name, address, and possibly other details are inconsistent. This inconsistency undermines my ability to manage my credit effectively and may impact my creditworthiness. I am seeking assistance to rectify these discrepancies.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

I had an account with chime online banking i won money on the online casino over {$20000.00} and deposited that into my chime account well they started questioning me about the money wanted all this proof of where the money came from and how i was able to gamble when they see that my paychecks arent for a lot of money i had to send them all this proof they locked my account for almost a month after me sending everything they asked for they said it still was not good enough and they were going to close my account and a check will be mailed out with the remaining funds that was in the beginning of XXXX here we are almost the end of XXXX and still nothing.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

On XX/XX/19 I contacted Fifth Third Bank to gain access to my MORTGAGE account online to view and print a statement. During the course of my conversation with XXXX he advised that he would have to open a XXXX XXXX XXXX ATM card for me in order for me to have access to my mortgage account. After 4 times questioning him on why I would need an ATM card to gain access to my mortgage account and me stating " I do not want any additional accounts with 5/3 - I only want online access to my mortgage account '' did he finally withdrawal his persistence in providing me with a XXXX XXXX XXXX  ATM card and was able to give me easy instructions on how to access my mortgage account online. If I had not questioned and pursued he would have opened a XXXX without my full knowledge. He was misleading and I hope 5/3 does not have a practice in opening accounts when the consumer is not aware and it is not their intent however, based on this interaction I believe they are doing this regularly.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please CORRECT or AMEND the following inaccurate 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
Consumer complaint received 2022-04-19
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. (MI)

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  CHAPTER XXXX BANKRUPTCY has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (AZ)

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Additionally, this was a business account from the looks of it and this company has found my personal social and put it on my credit report which is a violation Pursuant to 15 U.S.C. XXXX. This is a fraudulent account.
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.