davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

Equifax and other major credit reporting agencies consistently list these inquiries. However, I request the removal of inquiries that are not associated with my accounts and are not mine. It is important to highlight the laws safeguarding Americans from debt collectors and the sharing of personal information. Some relevant laws from XXXX XXXX include : Fair Debt Collection Practices Act ( FDCPA ) : This federal law outlines rules that debt collectors must follow, ensuring fair treatment of consumers and preventing abusive practices in the debt collection process. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates how consumer credit information is collected, reported, and used. It provides consumers the right to dispute inaccurate information and have errors corrected. 

Gramm-Leach-Bliley Act ( GLBA ) : This law imposes restrictions on how financial institutions handle consumers ' non-public personal information and requires them to establish privacy policies and practices. 

Regarding the reported entries, the following are suggestions for removal due to their inaccurate or non-associated nature : XXXX XXXX : Reported on XX/XX/2022, but not associated with my accounts. 
XXXX XXXX XXXX : Reported on XX/XX/2022, not mine and lacks account attachment. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( XX/XX/2022 ), XXXX XXXX ( XX/XX/2022 ), XXXX, XXXX XXXX XXXX XX/XX/2022 ) : These entries are not accurate or lack account attachment. 
It is crucial to ensure the accuracy of credit reports and protect against unauthorized inquiries that may negatively impact one 's creditworthiness. By understanding and exercising our rights under these laws, we can maintain the integrity of our credit information and financial well-being. 


XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XXXX XXXX NEGATIVE Suggested XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX  XX/XX/XXXX  NEGATIVE Suggested XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XXXX XXXX NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX/XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX  XXXX XX/XX/2022 NEGATIVE Suggested
Consumer complaint received 2019-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

[ Before speaking about my situation, let me say that there are what I believe to be some genuine citibank employees trying to rectify what is going on. This is a very time sensitive situation due to my wife and I needing to close on a home we are purchasing by XX/XX/2019 - possibly sooner. ] My wife and I secured a 3.250 % ( no points ) jumbo mortgage with Citibank ( loan officer XXXX XXXX NMLS # XXXX ) on XXXX XXXX. Days before the scheduled closing date He/They decided to add 1.75 % points to the loan ( approx. {$8500.00} ). we have been to the bank, have made numerous calls, including a message into citibank 's executive response unit ( no response to date ). We have outstanding credit always have, own two homes ( no mortgage ), make 6 figures tax free ( XXXX ) plus rental income of {$7900.00} per month. This extra fee has been explained as many things to us - from " problem w/debt to income '', " you did not disclose home we own '' ( untrue ), " we bought the rate down '' ( untrue ). Every time they gave a reason, we explained them inaccurate - they then would change the reason for the added points. All of citibank 's conversations are recorded including us disclosing our properties. Nothing was every said to my wife or I about the possibility of points being added for any reason ( check phone recordings ). I believe this is occurring because they feel we would not object ( being so close to closing date ). By law, we will have to close. And, we will, but trying to recoup money that is due to us is going to be more difficult after the closing on our home purchase.
Consumer complaint received 2022-10-17
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. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I will continue to file these complaints until this company and its affiliates stop the harassment of foreclosure on property where there has been NO payment missed. 

Lender doesn't seem to understand the rules of engagement and the law that provides and this company and its affiliates do understand because it allowed for principle to be paid and then it removed the option. 

The principle will continued to be paid. Lender can charge all the fees it wants but it can not foreclose on a home. 

Requesting CFPB do a full investigation and send these illegal practices to the appropriate agency. 

Supreme Court Ruling was provided in XXXX that this entity seems to ignore and feels it's above the law. not.
Consumer complaint received 2023-01-21
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. (MD)

XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.
Consumer complaint received 2022-09-30
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: Radius Global Solutions LLC (NV)

BEFORE COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX XXXX XXXX ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A XXXX XXXX THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} RADIUS GLOBAL SOLUTION IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (LA)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX M XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
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. (FL)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-05
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. (NY)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached accounts.
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXX Account XXXX : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXXL Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXXk Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi my name is XXXX XXXX XXXX. Im a victim of Identity theft. i have a bank of America bank account, that has been take over or hijack.this issue has increasing my depressing and my anxitey. the bank of American account was personal account and somehow the account became a business account. I still have a personal checking account with bank of America end XXXX and saving account XXXX which close now. i have never been married or engegen, i don't have a girlfriend. i have live in XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX however different address have appeared on my credit report. My name has been appeared different under my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. on XXXX i got {$5000.00} deposit to my personal. i have ask bank of america for the history of all my bank to bank online and mobile transfer of money also the history of the wired tranfer from by personal account to any bank account from bank of America, well fargo, XXXX XXXX  and XXXX XXXX. i do have my bank statement of my personal account. i dont have the account number of takeover/hijack account. 
i have found the last XXXX of visa debit card that might beyond to the take out/ hijack account or my pernsonal account XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last four digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last four digit XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last four digit XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX digit XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX visa debit card last XXXX XXXX exp XX/XX/XXXX XXXX XXXX XXXX visa debit card last of four XXXX exp XX/XX/XXXX
Consumer complaint received 2022-09-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I am writing you, due to the fact Bank of America is not willing to pay my hard working money. For the past 3-4 months somebody had been stealing my debit card information, I dont know how, yet it seems whoever took my information is within the same city ( XXXX ). For the past 4 months they have been going to XXXX XXXX ATM not too far from where I live. In total {$2100.00} was the claim Bank of America did not approve. I also do believe the people who stole my card identity may have took more, i would really appreciate if you guys helped my case/claim thank you.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

In response to the Companys Response regarding case # XXXX, The response from Discover Credit Card is inaccurate and insufficient. When I initially called Discover Customer Service regarding the fraud charges, I specifically told Discover that there were XXXX transactions by XXXX. from XX/XX/XXXX, to XX/XX/XXXX, not from XX/XX/XXXX, as XXXX XXXX claimed in response. The breakdown of those charges is XXXX transactions for {$39.00}, XXXX for {$4.00}, and XXXX for {$1.00}, totaling {$630.00}. I called XXXX, and the phone number doesnt work, as I told Discover many times. Therefore, I urge Discover to call XXXX, which XXXX claims I had a subscription from. Discover keeps asking to provide documentation from a merchant on the Discover dispute site ; however, as I stressed many times because this is a fraud, I have no documents I can represent other than the detailed record I kept since I realized that I only received a partial refund. XXXX XXXX asserts that some transactions are valid due to the documentation provided by the merchant. I demand to be given documents, Discover claims obtained from XXXX, and transaction details Discover asserts they have received from XXXX to conclude those charges are valid. XXXX XXXX claims she received them based on Discovers investigation. I would like to see the transaction details containing an initial agreement for monthly subscriptions and receipts for each month during the above-mentioned duration. Moreover, The response from Discover concluded that I received the monetary relief amount of {$96.00}. However, as you can see in Table XXXX attached, I havent received any monetary relief. XXXX refunded me {$350.00} out of {$630.00}. The {$270.00} still remains to be refunded to me. I called XXXX today and demanded that they email me that Discover has rejected the refund and its amount, but I havent received an email from them yet. I called XXXX XXXX of Discover around XXXX XXXX, but she hasnt returned my call. The Discover fraud policy said that all Discover card members are protected with our {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover Card account. I want Discover to provide me with my authorization to XXXX since Discover concluded that the charges are valid based on the documentation provided by the merchant. Discover failed to detect suspicious transactions. My other credit companies immediately send me notifications and ensure that the charges are valid.