davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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. (CA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am attaching proof of my certified and notarized letter sent to EQUIFAX informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. 
I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, EQUIFAX may only furnish a report with my written consent. I did not give permission to EQUIFAX and no consent is IDENTITY THEFT. 

Under 15 U.S 1681b- Permissible purpose of consumer reports 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. 

Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. 

I have repeatedly tried to resolve this issue and have contacted EQUIFAX to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send EQUIFAX an invoice of their violations and expect to receive monetary compensation as well.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-30
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. (FL)

Experian has violeted the FCRA and my rights. They have failed to properly investigate valid disputes on the information they report. I have documented over the last 1 1/2 years my correspondence with experian repeatedly requesting verification and validation of disputed items. My 1st dispute was sent in XX/XX/XXXX in which I disputed many items on my credit report. Since that date I have sent 5 letters to experian. They refuse to properly and lawfully investigate my account, they also failed top provide me with notice on how they verified and with whom they verified the information they are reporting.

Experian has failed to provide the requested documentation and process for how they verified the following accounts. 

XXXX XXXX # XXXX Not my account. Creditor has failed to provide any documentation supporting this is my account. 
XXXX XXXX XXXX # XXXX Inaccurate open date, see page 3 for documentation. Account shows balance but indicates a charge off, balance should be {$0.00}. Creditor has re-aged account info. 
XXXX XXXX  # XXXX This account has inaccurate remarks, it was paid in full and closed by my request. This has been removed from all other reporting agencies due to inaccuracies. Please delete this account. 
XXXX XXXX-Experian has failed to note that this account is disputed -FCRA violation # 1 Experian has failed to note who the account was sold/transferred too -FCRA violation # 2 Please delete this account for Inaccurate information. 
XXXX XXXX # XXXX - I was not late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX, please remove all late payments on these dates and send updated report XXXX XXXX - Inaccurate balance, loan amount says {$26000.00} charged off but showing balance of XXXX. This account is falsely reporting Balance, monthly payment, and status. Company has failed to properly notify of account status. FCRA violation # 1 Delete immediately I request verification, no XXXX system
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OK)

On XX/XX/XXXX, I used the Citibank online app to make a payment. The app stated that there was a problem with the system, please resubmit. I resubmitted per the instructions given. I then failed to notice that the payment had been charged twice until the second one bounced. On XX/XX/XXXX, I made a payment and again had a problem with the app. This time, the payment was pulled from the wrong account and again bounced. Finally, on XX/XX/XXXX, having moved some funds around, I made another {$500.00} payment and had the exact same experience, the website said resubmit, I did, and it double-billed me. This time, I caught it because of the generally miserable experience I had been having with Citi. 

Regarding the payment on XX/XX/XXXX. The funds were removed from my account on XX/XX/XXXX. They still have not been credited to my account and Citi states that it is because of the prior payment issues. I can understand holding credit until they are certain the funds are available, however, to hold my funds for more than a week after they have been received at Citi through the ACH process is simply unacceptable.
Consumer complaint received 2020-08-30
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: Experian Information Solutions Inc. (CA)

I'VE BEEN TRYING TO GET THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT FILE FOR SEVERAL MONTHS NOW AND THEY KEEP TELLING ME THE CREDITOR VERIFIED THAT THE ACCOUNT BELONGS TO ME BUT I'VE NEVER RECEIVED ANYTHING BESIDES A BILL WHICH DOES NOT BELONG TO ME. THEY KEEP CHANGING INFORMATION RELATED TO THE ACCOUNT WHICH I'VE INCLUDED WITH THIS COMPLIANT. THE ACCOUNT HAS ERRORS WHICH IS A VIOLATION ALSO.
Consumer complaint received 2018-02-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

We opened a 16 month CD account@ 1.5 % APR effective XX/XX/XXXX and maturing on XX/XX/XXXX. We were not notified by letter that the CD was about to expire or asked what option we wanted. When we realized that the CD had matured my wife went to the bank. They stated that since we did not notify them as to what we wanted to do they rolled it over to another 16 month CD with an APR of 0.03 %. She told them that we wanted to be notified by letter or email when this CD was maturing. They stated that they would inform us by letter when it was about to mature. 
In XX/XX/XXXX, my wife said to me that she thought that our CD should be maturing. My wife called the bank and they said that it had matured and they rolled it over again to another 16 month CD@ 0.03 %. When we asked them why they did not notify us by letter or email as we asked and they said that they would do they could not give us an legitimate answer. 
We decided to close all accounts with this bank and pay the mere penalty of 3 months interest. Then they hit us with the {$50.00} on top of that which could have been waived. 
We would have filed a complaint sooner but we did not know that it was a law that they had to notify us by letter. It was twice that they did not notify us.
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-02-18
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. (NY)

Equifax is reporting on my credit report that my account with XXXX XXXX XXXX is an open, active account. The XXXX XXXX XXXX account was paid in full and closed in XX/XX/2017! Equifax has had 6 months to correctly reflect on my report that the account was paid in full and closed, but apparently they are incapable of correcting accurate information provided to them from reporting companies ( but they sure are quick to add incorrect, fraudulent accounts on my report and decrease my credit scores as a result ). Equifax is in violation of the FDCPA by failing to accurately report the account and by calculating my credit score based on that inaccurate information.
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield and Associates /Revenue Recovery Corporation has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX, and XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Wakefield and Associates Revenue Recovery Corporation does not have any documentation, they need to retract this from my credit file immediately
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

Portfolio Recovery Associates has placed a collection account on my credit reports for a credit card that I never had. I didnt know if it was identity theft or if it belonged to my father who is now deceased who had the same name. However I never had a capital one credit card. Nor did I ever use one. Ive been fighting thiS with XXXX XXXX for years! They never removed it. XXXX  XXXX sold it to portfolio recovery Associates. I I do not owe XXXX  XXXX nor do I owe portfolio recovery associates.
Consumer complaint received 2018-02-18
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. (NY)

On or about XX/XX/2018, XXXX XXXX XXXX  placed a fraudulent account on my credit reports with XXXX, XXXX and Equifax. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. Equifax and XXXX have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, XXXX   and Equifax are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.
Consumer complaint received 2021-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

The problem is with them THE CREDIT BUREAU - EQUIFAX They double billed me. 
I called to complain They made me answer 30 questions to " verify my identity ''. 
They apologized 10 times but never got anything done. 

Made it horrible to cancel the monthly plan.
Consumer complaint received 2018-02-18
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 (FL)

Received an American Express offer for XXXX XXXX XXXX new membership. 
Purchase a new membership online and receive {$25.00} credit. 
Purchased my membership on XX/XX/2018 but never received the credit Contacted American Express customer service, but they weren't helpful.
Consumer complaint received 2023-09-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION (AL)

On XX/XX/2023 I paid M & T Bank the payoff on my loan of {$14000.00} from payoff quote sent to me via fax. I called them next day to ask when title would be sent out. They told me ten business days! I argued all the way up the chain with no luck. I waited XXXX business days and called again. I was told XXXX business days of which I told them it had been. They put me on hold as I had ask to speak with supervisor. She told me it had been mailed that morning and could take 10 days to recieve. I blew my lid and ask if it was coming pony Express and should I be looking for a horse? She hung up on me!! 10 days really?? It has been 16 days now since payoff. They are holding my property! The supervisor tried to make me understand that a payoff using wire transfer would have been quicker than a bank account to bank account that I have used for the whole loan payments. I have spoken to FDIC, no help and Fereral Reserve, gave me this site. I had camper sold and the couple who purchased this, bank was waiting on title from me!
Consumer complaint received 2021-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I filed a dispute in regards to incorrect items listed on my credit report. It has been well over 30 days and I have not received any investigation results. I demand that these items be deleted from my credit report.
Consumer complaint received 2022-01-18
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: CITIBANK, N.A. (AZ)

Due to the fact that Citibank is not responding to my requests I am requesting your help in forcing Citibank to resolve this issue : I am writing to dispute two charges to my Double Cash credit card account ending in XXXX. Both of these fraudulent charges were posted originally on my earlier Double Cash card account in XX/XX/2021. I called Citibank and the party that posted the charges and reported the fraud in either XXXX or XXXX. The party that made the charges told me to report it to Citibank. I was told by Citibank at the time that the charges would be removed and that I would be issued a new card and the card that I had at the time would be closed. I no longer have that credit card number and that card was destroyed when I reported the fraud. I received the new card ending in XXXX in XXXX and began to use it. I then noticed that the two charges disputed on the earlier card were re-posted to the new account. I called to report this in XXXX. 

I was told that I would have to wait for a letter from Citibank and was instructed to call back after I received the letter. The letter never arrived. I called several times since then asking for help. Each time I was told that another letter was being sent. I have received no letters from Citibank. My mailing address is correct and I am receiving other mail addressed to it. This leads me to believe that either no letters have been sent to me by Citibank or they are being mailed to an incorrect address. 

No one at Citibank will give me any information about my account over the phone. I am stuck in limbo with no help from Citibank. I now have a bill that only has the fraud charges unpaid on it. I am not sending payment as part of the credit card agreement is that I would never have to pay for unauthorized charges to the credit card. I reported the fraud promptly and was told that the charges would be removed from my account. To date they have not been removed. I have been an exemplary Citibank customer and have paid every statement on time up until now. I will not pay for these fraudulent charges ; they are the only outstanding amounts unpaid on my account. 

The XXXX disputed charges are fraudulent and not made by me : XX/XX/202XXXX XXXX  XXXX XXXX XXXX XXXX Account Number XXXX {$5800.00} and XX/XX/2021 SXXXX XXXX XXXX XXXX XXXX Account Number XXXX {$10.00} I have already paid Citibank for all charges that I made to this account. The account should have a XXXX balance. 

I am requesting that Citibank remove the fraudulent charges from my account, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I also request that any negative credit report related to non-payment of these fraudulent charges be removed from any credit reporting agency. Thank you. 

Sincerely ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AZ XXXX
Consumer complaint received 2024-02-29
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. (TX)

I CHECKED MY CREDIT REPORT AND NOTICED THAT THERE IS ACCOUNTS THAT DONT BELONG TO ME. XXXX XXXX IS THE MAIN ACCOUNT. THIS IS BRINGING ME GREAT DISTRESS AND I CAN NOT CLOSE ON MY NEW HOME NOW. I MAILED IN MY FTC REPORT TO ALL THREE CREDIT COMPANIES AS WELL.
Consumer complaint received 2022-01-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (GA)

AES/PHEEA is reporting to XXXX, XXXX, and XXXX a debt that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why XXXX, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ballybunion Enterprises, Inc (MI)

Freedom Stores, and XXXX  has refused to remove the account from showing on my credit report. I did not renew any loans with this furniture store. I sent XXXX a copy of the judgement from your prosecution to remove and close the debts on all XXXX accounts but they are still attempting to collect from XXXX that don't know about the class action that was held against them. I also have submitted an FTC to XXXX as to me not renewing this loan. I am a identity theft victim and neither companies have taken the severity of this serious. This is affecting my credit report and my career in the XXXX. I need it removed ASAP.
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX