davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
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. (NC)

Equifax has been contacted about an error by XXXX reporting a repossession on my report that he as cost me jobs, newly opened acvounts, not to mention hurt my business. 
This account I gave called Equifax Supervisor and Managers but it's still reporting as correct and updated with my name.

This violates my FCRA Rights and a Fraud Alert was attached to my credit report. 
The Online Equifax Lawsuit that was filed against Equifax stated when I enter my Social Security number and personal data that I was included in the Class Action Law Suit but haven't received but deragoratory, negative information pertaining from Equifax. Corona Virus Equifax has been contacted time and time again but they keep me in hold for 45 minutes then hang up I call back nothing after long  hold times and after 30 days. Another potential creditor told me that Equifax is reporting this false accusations and account against my credit report hurting my buying ability and credit score. My credit score is in the 500 's.
Consumer complaint received 2020-05-26
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. (TX)

Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only experian has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and XXXX  on this matter
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and I recently notice that I have several Fraudulent accounts reporting on my credit report. I was denied credit due to these inaccuracies. Please see attached documentation. These accounts do not belong to me. And this is not a third party submitting this filing.
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

We have sold a house in XX/XX/XXXX and bought house in XX/XX/XXXX. A Bank of America acct was opened on XXXX XXXX with my social security number for the amount of {$5000.00} credit line. These people bought from a XXXX company and XXXX fee in XXXX then did a check payment over phone. They then went to car dealership and paid another {$4200.00} in change. The check via phone was denied and the credit card amount went to up to {$9300.00} and change. Then they stopped payments and thats when it was on credit report in XXXX. We then contact police, to report fraud with my Social Security #. Sent that to BofA and they said they did investigation. We asked for all paperwork that went into their decision and we received only bank statements. They are still saying that we owe this amount. We have done our own investigation and the email they had file was not ours and phone number & address was incorrect. 
We have called on XX/XX/XXXX when we finally received a statement, then we called again in XX/XX/XXXX and we given multiple claim # s and nothing was ever sent to us via mail which they told me was going to happen. The places that items were purchased are not in business or didnt exists any longer as well. They are getting ready to charge off and not be willing to fix this matter. We have worked with two credit report agencies and could not get anything resolved.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( XXXX  ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (GA)

There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.
Consumer complaint received 2018-03-15
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. (NC)

I have reached out to experian on several different occassions. Disputed the same information at least 3 times. Then they continued to send me a letter that states they refuse to investigate. I called and disputed the information again and they investigated. They told me that they contact the furnisher of the item on the credit report and asked them that if the items are true. I sent a letter asking if they can furnish the contracts that states that this debt is true and they stated that they dont review those items. That is a clear violation of the FCRA. Lastly, they are showing items on my credit report as open, when indeed they are closed. These items are from XXXX XXXX. They intentionally increase and decrease the balances within the month to make it appears as if I agreed to make payment on the account. I have explained this to Experian and they still refused to report it accurately. These accounts should be reported as closed. I will be seeking damages against the collector and experian.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Please remove hard inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair Credit Reporting Act the creditor of Capital One and XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681, section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL) (FL)

I recieved medical treatment from XXXX XXXX, paid all invoices that were my financial responsibility. Final bill was paid XX/XX/2017 via XXXX Debit Card. 

One year after payment, AR Resources reported to all credit reporting agencies that I had an open account for collections for the medical bill I already paid. 

I contacted XXXX XXXX, they told me that my balance was {$0.00}, and that they would contact to AR resources to inform then of payment. 

I contacted AR resources, they told me could not do anything until XXXX XXXX   contacts them. 

Two weeks later my credit score continues to fall due to an account that I have paid in full a year ago. There is a breakdown in communications between the two parties, and whose fault of them, not mine for not communicating with each other, is affecting me financially.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (PA)

I changed my legal name - first, middle, and last names- in XX/XX/XXXX. In XX/XX/XXXX, I found that none of the three credit reporting agencies had updated my name. XXXX and Experian both had a credit report under my old name and XXXX had a report under my current name but no part of my credit history. See attached PDFs of how the three reports appears in early XXXX. 

I requested guidance from the law firm that had assisted me with getting the court order for the name change, and at their advice sent each credit reporting agency a letter, accompanied by a copy of the court order, requesting them to change my name. 

In XX/XX/XXXX, I checked on my credit reports again. I found that XXXX had updated my credit report to include my credit history, but the other two basically gave me error messages : see attached PNG screenshots. I printed, completed, and mailed the Annual Credit Report Request Form for XXXX, which you can see linked to on the screenshot. And I mailed Experian at the address they listed to request my annual credit report. This was in XXXX, and I haven't received anything from them yet. 

I requested advice from the law firm again and they've suggested submitting disputes to XXXX and Experion, and a complaint to the Consumer Financial Protection Bureau. 

XXXX and Experion 's dispute forms allow for disputing incorrect personal information, but nothing for someone with a problem like mine. As I understand it, the agencies can handle changes to last name only smoothly enough, but any first name changes are a struggle for them. I gather that my situation isn't unique but their dispute forms don't make it possible to call attention to their inability to update their own records. It's not clear what my next step should be in getting XXXX and Experion to update their records, beyond this submitting a complaint here. 

I changed my legal name two years ago, and since then I have put quite a number of hours into updating the credit reporting agencies. Given the necessity of a credit score for certain things - like renting a place to live - it's unacceptable that the agencies can't reliably update their own records on their own, and that they make it so difficult to address this issue. 

Please let me know if any additional information would be helpful.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws. 

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries. 

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I am an account holder on a Capital One checking account with my mother and my father, both who are now deceased. My mother passed away recently, on XX/XX/XXXX. 

CapitalOne is not allowing me any access to the funds, they will not advise me when I will have access, and will not inform me when I will have access. 

This is unacceptable. I am a full account owner, and should have access to this account. 

I was on the phone for an hour and 28 minutes today trying to figure out why I could not see the account.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (CA)

The first appeal was successfully and able to changed it from negative to positive. But by two days later, the glitch system has error appeared from positive one to negative. I had to re-submit twice ( re-appeal ) times to request to fix the glitch and bug itself. But, when I get return their answer, the second appeal is not very clear. Can not tell it is declined or accepted. 

The loan already paid and its XXXX, and directly to the collection agency that prevents me to getting the loans what I need sooner. 

I get the declines by some companies in due the glitch system bug error in due collection on my letters.
Consumer complaint received 2024-02-19
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. (IL)

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.

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 2024-02-19
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. (GA)

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.

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 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CT)

My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX XXXX XXXX Citibank XXXX NY Branch Date promotional deposit of {$100000.00} made : XX/XX/XXXX I made a deposit of {$100000.00} into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$1500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$100000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$1500.00} into my account. 

I have contacted XXXX XXXX XXXX, XXXX Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$1500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

Please help me get the {$1500.00} promotional fee that they advertised they will pay, and ask them to honor their commitment, after keeping my {$100000.00} for over one year now. 
Thank you.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NJ)

Today I am writing regards to my account with SYNCB/Amazon account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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