davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-05-14
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. ()

My credit report appears to be mixed with someone else with a lot of bad arrears and county court judgments and an address linked to my account that isnt mine its resulted in them obtaining credit cards in my name that have been used to rack up large debts that Im now finding out about
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I had a secured credit card with Wells Fargo from XXXX to XXXX. Only recently did I find out that they were reporting on the 3 credit bureaus as if I currently had an account with them. 

I reached out to Wells Fargo on several occasions about this and each time I am told they have no record of me in their systems. 

On XX/XX/XXXX I wrote a letter and went into the branch to have it faxed. I also wanted to inquire on whether or not the funds from my secured credit card were returned to me. 

It is difficult for anyone to find out due to the fact that they can not find any record of me having an account with them. 

I do not owe Wells Fargo any money and closed the account on my own admission.
Consumer complaint received 2017-07-21
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. (NY)

Denied credit. when reviewing credit report from experian found XXXX/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. Experian dispute site non-functional.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

I enrolled in this offer back in XX/XX/XXXX on my Amex XXXX XXXX XXXX : " This holiday season, use your XXXX XXXX American Express XXXX XXXX to get closer to your next Hilton stay. 
Once enrolled, spend {$8000.00} in eligible purchases with your Card by XX/XX/XXXX and earn a Free Night Reward. 
Plus, continue to enjoy great benefits on travel and more, including 3X Bonus Points on all eligible purchases. '' I spent over the {$8000.00} as this was a busy holiday/ski season and this is my primary credit card. I knew to wait about 4-6 weeks after the end of the offer and contacted Amex via chat and phone call after those 4-6 weeks several times. I also was to receive a free weekend night for a minimum spend on a new XXXX XXXX XXXX XXXX  and an anniversary night for my XXXX XXXX. I was specifically told XXXX XXXX XXXX XXXX that I would be getting another reward night but this never happened. When I called in XX/XX/XXXX I was told I would not be eligible for more than 2 free nights per account despite the fact that the offer was valid outside of the annual/new sign on rewards. The correspondence I have received either via phone or chat has been murky and conflicting each time. I will attach my chats. I was last told via phone that my 3rd free night would arrive by XX/XX/XXXX but that hasn't happened- the rep seemed very confused and at one point told me to wait another 4-6 weeks but I reminded him the offer ended in XXXX. This rep agreed but then was referencing an offer from XXXX! Basically, I should have received 3 free night rewards but I have only received 2 and I can't receive a definite answer as to where my 3rd night is. The 3 free nights should be for- sign on and minimum spend for XXXX XXXX XXXX ( was a few XXXX and I reached it ), my anniversary for XXXX XXXX XXXX and the XXXX spend for the XXXX. Thank you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (MA)

I received a {$100.00} TD Bank Visa gift card from a client in XXXX. I put it in my briefcase, but when I finally decided to use it in XXXX, I noticed that there was an " inactivity fee '' of {$2.00} per month after twelve consecutive months of non-use. I presented my card at a restaurant on XX/XX/XXXX and I was told that the card was only worth {$45.00}. So TD Bank pocketed {$55.00} of my client 's gift to me. I saw that the fee was shown on the card 's activation sticker. I presented my complaint to the Massachusetts Banking Commission, but since TD Bank is a federal bank, they told me that only CFPB had authority. If my client had given me a gift certificate to that restaurant in XXXX, it would have still been worth {$100.00} in XXXX. I am not happy that TD Bank can move my client 's gift to their bottom line. I would like the card to give me the full value of {$100.00}. I mentioned this complaint to XXXX XXXX, the ombudsman at XXXX XXXX XXXX, but he told me that TD Bank was " within the law ''. I want to lodge a complaint about the unfairness of a law that allows a federal bank to confiscate gifts as I have described.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have sent emails to the fraud department at Bank of America on XXXX and XXXX regarding this fraudulent account. I contacted Bank of America today ( XXXX ) via phone and believe the account has been closed or is in process of being closed. 

I have Frozen my credit information and opened disputes with XXXX, XXXX, and XXXX. I have placed a fraud alert with XXXX. 

I was contacted by my church stating a 3rd party background checker experienced a data breach and reports of Bank of America accounts being opened in some members names was reported to them.
Consumer complaint received 2021-03-09
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. (CA)

In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent XXXX to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Consumer complaint received 2022-07-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TexCap Financial, LLC (FL)

My former Lender " TexCap Financial '' sold my account to " XXXX XXXX ''. They sent me a packet to switch over the lien holder to XXXX XXXX and that i would be making my car payments to them because they now have my account. 

I have been receiving countless phone calls saying that I am almost a year behind on my payments to TexCap Financial. I explained to the customer service rep that XXXX has my account and I have not received anything saying that the account was switched back to TexCap.

TexCap is saying that they have escalated my account for repossession unless i pay the past due amount.
Consumer complaint received 2021-07-22
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. (MA)

XXXX, Transunion, and XXXX  are in violation my consumer rights. I sent a letter on XX/XX/XXXX. Explaining how my consumer rights were violated pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681b ] Permissible Purpose of consumer report. I did not give any of the above-mentioned companies the authorization to furnish my credit report and I am demanding the removal of all the unknown collection accounts that I have listed in the attached letter. Also there is no information regarding where the fraudulent collection accounts are from which is a violation [ 15 U.S.C. 1681s-2 ]. Responsiblities of furnishers of information to consumer reporting agencies.These accounts are sitting on my credit report without any proper validation and no consent from me as the consumer and natural person. Please delete the unknown and fraudulent collection accounts immediately.
Consumer complaint received 2019-07-17
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: EQUIFAX, INC. (TX)

I have submitted 3 requests to Equifax to have the debt XXXX XXXX deleted from my Credit Bureau since it's more than 7 years old. By law, this debt should be deleted!!! I want to know what Legal actions I can take again Equifax???
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

Ally Financial was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. Ally Financial never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my XXXX and my XXXX credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via Ally Financial website and Ally Financial customer service phone line.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (OK)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

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 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. 

It a second issue. The first issue was resolved. Please do not kick this back again. 

Bank of America is not reporting my credit history correctly. The first issue was about the correct first payment date. This A SEPARATE ISSUE. It is about an incorrect payment history. 


THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

There is a report of collection for {$100.00}. The debt collector is listed as XXXX XXXX. The original Creditor is listed as XXXX and XXXX XXXX. I have not had an account with this creditor, and have never received literature regarding this debt from the original creditor or the collection agency listed.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CDS Debt Relief, LLC (TX)

We hired CDS Debt Relief in XX/XX/XXXX and over the course of over 2 years have paid them over {$11000.00} to settle our debts. CDS never settled any of them, and also never even contacted any of my creditors. I ended up resolving all of the debt myself and have asked for CDS to refund our money. This was asked in XX/XX/XXXX and to date, CDS has not refunded our money nor made any attempt to resolve this issue.
Consumer complaint received 2021-07-22
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: CITIBANK, N.A. (OK)

In XX/XX/2020 I called Citibank REGARDING 2 CITIBANK CREDIT CARDS THAT I HAD, and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. 

They continued to report late payments on my credit report. I filed a complaint with the CFPB and Citibank corrected the credit reporting on ONE OF THE CREDIT CARDS ONLY. THEY ARE STILL REPORTING A LATE PAYMENT ON THE OTHER CITIBANK CREDIT CARD CURRENTLY. 

They are reporting to the credit bureaus late payments in XX/XX/2020 and that is not true. I Ive been a Citibank customer for several years and have never had a late payment. Now after several attempts to get these issues resolved Im requesting additional help with this.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

I'm always having issues with this bank. I called telling them a charge I received an overdraft from XXXX XXXX   was invalid. I went to XXXX XXXX on XX/XX/XXXX. They said that it happened on Monday, XX/XX/XXXX which was wrong. I did not go to XXXX XXXX on XX/XX/XXXX. They said the time stamp was XXXX on Monday. I work in New York, how can I be at XXXX XXXX as XXXX! I get out early on Fridays and I went to the XXXX XXXX in XXXX XXXX at XXXX. I can get a copy of work hours to show proof of the time that I was there.
Consumer complaint received 2022-10-14
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. (TX)

In dispute on my Transunion credit report is Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Transunion VERIFIES this account without verified proof of investigation, which is a violation against Texas consumer state law and Fair Credit Reporting Act. Additionally, In accordance with the Fair Credit Reporting Act ; 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Because the Courts and XXXX  Do not share this information.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.