davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to dispute several inaccuracies found on my credit report, as provided by Equifax. Upon review, I have identified incorrect personal information, including discrepancies in my date of birth, current address, and employment details. Additionally, there are multiple inaccuracies in account details across various creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, among others . These discrepancies include errors in high balances, dates of last activity, reported dates, creditor types, and payment histories. 

The presence of these inaccuracies is deeply concerning as they have the potential to negatively impact my credit standing and could affect my ability to obtain future credit. I am aware of my rights under Sections 609 and 611 of the Fair Credit Reporting Act ( FCRA ) to challenge these inaccuracies and request their immediate correction to maintain my reputation for excellent financial standing. 

I urge Equifax to conduct a thorough investigation into these matters and to correct the errors promptly. I expect to receive written confirmation of the corrections made to my credit report. Your cooperation and swift action on this matter are crucial and greatly appreciated. Please contact me if you require further information or clarification on the disputes mentioned. Thank you in advance for your time and assistance in resolving these issues. I also request that the extended fraud alert to be removed from my credit profile as requested several other times.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (UT)

Hello, I see on my credit report there are 2 inquiries from XXXX on XX/XX/2022. This shouldn't be 2 separate inquiries, it should be 1 inquiry. I did not authorize 2 inquiries on the same day.
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: Early Warning Services, LLC (MA)

I have had a SEVERE problem with Early warning Systems regarding a report regarding XXXX which was an account I was held responsible for even though I was the victim of a Romance Scam which I have ample proof of. I was called by Early warning Systems about 2 weeks ago and was told that the " XXXX file '' was being taken off my report and I could re-activate my XXXX XXXX XXXX XXXX account. I therefore contacted XXXX and asked them to re-run the early warning report, but instead of activating the account, XXXX closed my account as early warning did not fix the problem as reported, and now I am RUINED financially and barely surviving as I have been the victim of multiple of Identity thefts and hacks and as a XXXX year old need to really have some help, and managed even get statements from the woman who did this to me as contacted me again as she was trying to " drag '' me into another questionable transaction but I have her blocked now and I am requesting some specific assistance as I face so many issues now that I am worried about pure SURVIVAL. Is there some way that I can put together all the documentation and ask for the CPFB to intervene into this complex case which did yield me not a XXXX and now I can not even open a bank account ... PLEASE!!!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2020. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Consumer complaint received 2023-02-21
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. (MN)

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 USB XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have requested of Capital One Financial Corporation to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, presenting my concerns to XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs. 
I am awaiting for Capital One Financial Corporation to rendered the monies for credits and for the security deposit towards the secured credit line in the form of a check or a deposit to my account on file. 
I am not in understanding as to what has prompted the business to remain in possession of these monies after I have requested for account closure in demonstration against the malpractice and the abuse of their account specialist when presenting my concerns.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Balance transfer fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I signed up for a Bank of America credit card on XXXX/XXXX/2016 specifically to roll over my balance from my XXXX credit card. I decided getting cash back was better than airline miles accumulation ( too many needed for an air ticket ). Nowhere on the application, email sent to me, on the letters I received AFTER the 7 day period was the information about charging a fee for the rollover. I LOOKED!!! Because I knew that some cards charge and some do n't. I can send the confirming email, as well. No where was I informed that I would need to spend {$180.00} to do this dis-service. 

I did this online, where I could check and doublecheck that there was no apparent fee. Perhaps hidden in very small print or buried deep in some multi-page disclosure, it might be there. But I sure did n't see it. I am screaming this : I CHECKED! When I transferred the money, there was NO " are you sure you want a {$180.00} fee '' When I got my first bill n XXXX, I noticed a line that read " Fee .... {$180.00} '' No explanation on what the fee was. I called BOA 's XXXX # and no where on its phone system was the choice for " rollover '' or " transfer '' -- everything else from " mortgage '' to " late fees. '' I kept saying to the automated voice, " I do n't know what fee ; get me to a rep '' After a long pause, I finally spoke to a XXXX and later a XXXX who said, " yes sometimes agent forget to tell you that. '' She offered to put in a request to reverse the fee -- so it is possible. I kept telling her that I was not informed of a transfer fee. That we 99 % of the time pay off our XXXX credit card in full each month and I do n't need a 0 % APR. Which she justified the 0 % as why they charge the 3 % transfer fee. Huh? In her tel/con I learned the figure " 3 % '' Why in the world would I pay {$180.00} for a new credit card, when we pay off our credit card bills in full? Why would I agree to that? Why? 

My point is that NOWHERE is it CLEAR that I would get hit with such an amount. NO.WHERE. 

I asked for a supervisor who was UNHELPFUL and kept saying " This is a legitimate fee. '' He would not reverse it. I asked him : " Do you want my business or not? '' Between my husband and myself, we charge up to $ XXXX a year on credit cards. He said I had to pay the fee. I cancelled the card that day. 

It is not right that BOA HID the transfer fee. UNDISCLOSED. The transfer fee info was NO WHERE in the application, in confirming e-mails, letters to me, in the card 's description, on the bill, in the phone conversation I had 1 week prior with a BOA rep when I asked about a charge on my on-line invoice. 

I wo n't pay that ridiculous fee. Why would I agree to that, when I was n't told/informed about it. If forced that means something important to me must be dropped. 

No wonder military service people have problems with BOA. I could have gone to any of the other competitors for a transfer free card. Sure wish I had. Paying BOA {$180.00} for use of my money ... ... they should be paying me!
Consumer complaint received 2018-05-14
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 ()

American Express won't let me use my points " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' No one can tell me when me and my partner will be able to redeem the points. Given various reasons for the hold. We made a complaint and still haven't heard anything.
Consumer complaint received 2023-01-13
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. (WA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit includeing the Police Report I filed on my local Police Department. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under 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 th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous 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 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing this debt with XXXX XXXX for years. The negative item is reporting on my credit report ( s ) impacting my credit. XXXX XXXX sent me an agreement with look like computer generated initials and a signature, which is not my actual signature and is a violation.
Consumer complaint received 2023-07-04
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. (AL)

XXXX XXXX XXXX claim I owe XXXX debt. Under USC 1681 I [ 5 ] and USC 1682 S-2 according to the FCRA everything must complete and accurate. Also under the 15 USC 1681 A [ 2 ] I didn't give written permission for the account to be furnished on my credit report. I haven't been provided no original consumer contract or documentation with my signature on it stated in FCRA 609 ( a ) ( 1 ) ( A ). Furthermore the method of verification has yet to be provided under FCRA Section 611 ( 5 ) ( A ). Please remove account immediately or legal actions will be taken.
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: EQUIFAX, INC. (CA)

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2018-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

I have multiple accounts showing up from XXXX XXXX XXXX XXXX. I have disputed them and had them removed from my reports in the past but they have been transferred to another lender and reported again. They are not my accounts. I do not owe them money. They will not remove these fraudulent accounts from my report. I have disputed with the credit bureaus and the company itself. It is really making me angry. They have been calling my phone and harassing me about accounts that are not even mine. I can not take this anymore. This is ridiculous.
Consumer complaint received 2023-01-13
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}.
Consumer complaint received 2021-09-23
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. (MD)

Incorrect information on my XXXX ( Equifax and XXXX XXXX ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as this is not my account.
Consumer complaint received 2021-04-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (ID)

I recently contacted this company who holds my mortgage to inform them that a divorce had happened and that I was awarded the home. I was informed by Mr XXXX XXXX that all I had to do was send in the divorce papers, a pay stub and a statement saying that I could afford the payments. Mr XXXX then proceeded to tell me that the easiest way was to refinance the home. They were going to add {$8000.00} to the loan, drop my interest rate 0.5 % and my payment by only {$30.00} per month. Then I was told that because a modification was done due to covid-19 that I had to wait until six payments were made. I then asked them to just remove my ex husband from the loan and that I had already submitted the required documents. I also spoke to their customer service team who verified that I had done everything needed to remove my ex 's name from the loan. Mr XXXX 's supervisor then tried to tell me that a refinance was required. This is contradictory information and I feel this company is highly unethical in that they only wanted to do the loan refinance to gain more money.
Consumer complaint received 2023-02-26
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. (CA)

This is a notification to CFPB that I was NOT included in the Experian Fraud Shield Settlement despite the fact that the CRAs labeling of my address as High Risk or Fraudulent has caused me grief and numerous missed opportunities. 
The article I read about two months ago was the first time I learned that these practices were actually illegal. 
For me, simply opening up a no-maintenance-fee bank account was impossible. Therefore as a XXXX XXXX with a risky address, I pay {$12.00} per month for that privilege. 
Opening up a Business Account several years ago at a bank where I already have several immaculate accounts and an XXXX credit rating, proved to be a matter of criminal intent. The bank was offering a {$500.00} bonus to open the account, with no direct deposits required by the way. 
I lost, easily, over dozen opportunities because of these CRAs. Even an attempt to open a SAVINGS ACCOUNT at my Credit Card Company Failed!

I had communicated about this with CFPB. Someone with an XXXX credit rating and 45 years of credit reports probably should NOT be denied a simple bank account. It is frustrating and embarrassing. 
Finally before the Pandemic, I just permanently froze all of my reports and stopped applying for opportunities. Why have numerous denials and failures on my record? 
I emailed to the Experian Fraud Shield Settlement Administrators at Hill-Green v. Experian Information Solutions , Inc. , and they stated I was NOT included in the lawsuit. 
Compare the above to the scamsters able to practice $ XXXX PPP fraud, often as non-citizens and even prison inmate some from their home bases abroad. 
What exactly is the intent behind these practices?
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 — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )