davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: EQUIFAX, INC. (TX)

On today I received an Alert from Equifax Credit Reporting that there was several hard Inquiries on my Credit Report attempts from XXXX XXXX Bank. I have never applied for an Open line of credit from XXXX XXXX. I have a Bank I have being dealing with since 2004, and my line of Credit is open with my Personal Bank. I do not know who tried to open up a line of Credit in my name, but it was not me.
Consumer complaint received 2021-08-24
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)

I have had {$2300.00} worth of fraudulent charges made on my credit card over XXXX charges across the period of XX/XX/2021 - XX/XX/2021. This was on the credit card number XXXX XXXX XXXX XXXX. 

I have attached a document with a table that outlines every fraudulent charge, and evidence as to why this was not my charge. 

I have been on an incredibly frustrating journey with Bank of America ( starting XX/XX/XXXX ). I have provided as much evidence as I can muster - calling vendors, documenting each charge with evidence showing I did not make the charge, filing a police report, and calling the Bank of America to confirm at each step that the bank has been receiving my evidence to support the claim ( bi-weekly now for 4 months ). 

The claim has been denied now 5 times with no information provided to me as to why. I have confirmed every charge was fraud, and provided line-by-line documentation with evidence ( for example, one charge was {$300.00} to a XXXX site never visited by me ; another was a {$700.00} XXXX charge that was not sent to my address and was not listed on my XXXX account ). 

I have filed a police report, faxed a 17-page document of evidence, and called weekly for to check status and ask if there is further clarification I can provide. I have called vendors myself to receive evidence that these charges were not me. And, have spent hours defending my case. 

Amongst all of this, the bank took away the credit from the charge in the first 2 weeks of the claim being open ( as they quickly, and wrongly, denied and closed the case ). They then asked that I pay the chargers otherwise would be charged overdraft fees and a receive a hit to my credit score. Ultimately, I was threatened to pay these charges ( that were not authorized by me ) or would have repercussions. I paid the charges, and now I am without the money, and the bank has theirs, so no one is helping me. 

I have missed hours of work, missed out on investment opportunities to spend my rightfully earned money, all because the bank has continued this investigation and wrongly denied it now for 4 months. 

I have had XXXX XXXX XXXX of dollars of interactions with this bank, have never missed a payment, yet am being treated as a fraud criminal. 

I have no other avenue within the bank to escalate and process this fraud to see the money that was stolen from me rightly returned.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On Saturday morning I woke up to two emails from Bank of America online banking from XX/XX/XXXX at XXXX pm. The first email was titled 'Verify your email address ' and the second sent at XXXXXXXX XXXX was titled 'Welcome to Online and Mobile Banking. I forwarded both emails to XXXX and did not hear anything. 

On Tuesday XX/XX/XXXX @ XXXXXXXX XXXX I received another email from Bank of America titled 'Your email address was updated '. This time I forwarded the email and also called Bank of America. I spoke with a person in the fraud department who confirmed the account was opened with all my information and she was able to tell me the strange email address the account was changed to ( strange because it was a random combination of letters and numbers, not a word or a name like a someone would use ). She told me no money had been placed into the account or removed from the account and that she was closing the account. She also told me she would send me information regarding fraud detection and protecting myself in the future. 

I have not received anything. I am not even 100 % sure this fraud issue has been resolved. I'm worried for my credit and future as all my information seems to have been breeched. 

In addition, I already had a fraud alert placed on my credit accounts from XX/XX/XXXX when someone attempted to file an unemployment claim in my name. My employeer HR department informed me of the unemployment claim they received.
Consumer complaint received 2021-11-18
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. (NC)

I sent Transunion a letter disputing the validity of the bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' these items through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify these items so they deleted them from their database. 

I then went back to Transunion and provided them documentation from XXXX XXXX stating the bankruptcies have been deleted and also informing them that if they could not reveal how they truly verified these items they must be deleted according to the FCRA. They have continued to deny my request to remove these erroneous items. These items should be deleted from my Transunion report just as XXXX and XXXX have already done so.
Consumer complaint received 2021-08-24
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. (OK)

I have tried, unsuccessfully, for many years to get all three credit bureaus, XXXX, Experian and XXXX XXXX to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.
Consumer complaint received 2021-08-24
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. (OK)

I have tried, unsuccessfully, for many years to get all three credit bureaus, Equifax, XXXX  and XXXX XXXX to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

I was getting emails & mail that " Citizens One '' was denying me credit ( XX/XX/2021 & XX/XX/2021 ) I ignored then initially because I thought if I clicked-in they would be the ones trying to steal my info ( I'd never heard of them ). Then XX/XX/2021 I get a email of a bill for XXXX and that I was late paying. So I went back in emails and found another one on XX/XX/2021 that they shipped a XXXX for {$880.00} bill. In between all the " denial of credit '' I never once received a " we opened your credit account '' - just a " past due '' amount weeks later. 

I called Citizens one on 4 occassions only to be told that I had to get to their dispute department and they'd send a package of credit fraud. On XXXX occasions I was disconnected. I then began getting phone calls everyday about a past due bill. I'd click to receive and always disconnected. I went on " Identy Theft.gov '' and filed a dispute. It said to stop my credit and write them. 

I put a credit freeze on XX/XX/2021. I wrote to Citizens one on XX/XX/2021 and it was sent back. Finally on XX/XX/2021 I received a call and was able to put in my dispute. I'm waiting on their " credit fraud packet ''. 

Also, since then I've had 2 banks call and someone was trying to open a credit card. Thank goodness I had the credit freeze. I explained the situation and of course no credit cards went out.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/XXXX I paid off 1 credit card but didn't close it. On XX/XX/XXXX I received a notification from XXXX XXXX  that my score dropped 118 points on the day it was reported to TransUnion. I contacted XXXX XXXX who referred me to TransUnion then TransUnion told me to contact XXXX  XXXX. I can't get an answer as to why my credit score dropped. TransUnion would only say that there was a deragorty remark on my report but that has been on there since 2015 it's not a new remark. The only thing say said is credit reporting is like a secret recipe and different factors go into the report. The only thing that changed on my report in XXXX was paying off a credit card. Why pay anything off if you can't trust the agency reporting.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (NY)

EOS CCA, a third party collection agency, collecting on behalf of XXXX XXXX has falsely reported a balance on my credit report of {$160.00}. There was a previous balance of {$540.00} which was settled for {$420.00} and paid in full early XX/XX/2019 in order to secure affordable rates for refinancing of my vehicle and a suitable interest rate for pre-approval of a home mortgage. I reported the information as false with the credit bureau and I believe the company continued to show the negative balance on my credit report hoping I would call back in desperation to remove it. This has affected me as it has given me unfavorable rates for refinancing and securing other financing as my credit score was tremendously impacted.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple & repetitive derogatory marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-03-25
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: Fidelity National Information Services, Inc. (FNIS) (UT)

I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
CHEX SYSTEMS INC.

IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.
Consumer complaint received 2021-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TX)

XXXX  compromised my identity by a system breach so I moved from XXXX to XXXX. XXXX promotion paid off our phones and we transferred services. I went to the XXXX XXXX CA locations and spoke to the store manager and made the prorated payment as asked. When I left the location I had a XXXX {$0.00} balance. On my credit XXXX ( Convergent ) has been reporting an inaccurate balance since XX/XX/2016 and I have disputed this several times with all 3 credit bureaus. They have sent an inaccurate bill dated XX/XX/2016 to ''provide proof '' to keep this on my credit when it has been paid off. XXXX and XXXX are now sister companies and they need to correct this situation between the 2 of them and remove the items from my credit as it is not my debt and I should not have a negative impact on my credit because of this. This is unfair and illegal to collect more then once on the same bill. 

I have paid companies to clear this up and has cost me hundreds of dollars! I have spent more then the bill because its the principle of the matter!!
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I am requesting that collection agency remove chargeoff from my credit report as I have already paid debt in full. This is compromising my opportunties to get new credit. Below is the collection agency information. 

TRANSWORLD SYSTEM INC/ Original creditor : XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 100 % Balance on XX/XX/2021 Original balance - {$3500.00} Payment Info Original balance {$3500.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WY)

XXXX XXXX ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. 
I am absolutely certain that the item I disputed ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX
Consumer complaint received 2022-10-11
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. (FL)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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 a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

Experian LLC The month of XXXX and XXXX, Experian continues to report an incorrect address on my report and shows verified by a creditor. Not my accurate information, but info deemed accurate by an agency and not my accurate credentials.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (GA)

The first dispute occurred while I was on XXXX XXXX for the Military in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my XXXX card bill during this time. I made a dispute with all 3 credit Bureau and XXXX XXXX and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the XXXX XXXX at the time. I have uploaded my orders to this file. 

The second dispute I have is with a company called FIRST FINANCIAL ASSET Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX insurance should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago.