davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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)

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX 's XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called Equifax and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (VA)

These repeated companies are checking my credit and I'm receiving repeated consistent hits of inquiries. 
I have not applied for anything nor have I given anyone permission for these companies/addresses to do so, at all. I have no relation to any of them. Below is a document- I copied and pasted straight from my credit report under inquiries. Please put a STOP to this, immediately, please. 

64+ inquiries-recent.
Consumer complaint received 2022-10-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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. (CA)

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.
Consumer complaint received 2022-10-28
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. (GA)

This is just ridiculous! Despite the multiple dispute letters and CFPB complaints that I have been sibmitting to the Credit reporting Agncies, the Credit Bureaus do not seem to give a XXXX about my Credit file! How many dispute letters and CFPB Complaints do I have to send to the Credit reporting Agencies for them to finally remove the disputed items completely from my Credit Report? I have been informing the Credit bureaus that I have been a victim of identity theft and that the items I am disputing were the results of such crime and I needed them removed from my Credit report! I have also been asking that the Credit Bureaus provide me copies of proof of verification from their investigation, that if the Credit Bureaus really did conducted an investigation. Under the Fair Credit Reporting Act section 605b, the following fraudulent accounts must be removed as soon as possible from my Credit File : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. The Credit Bureaus have been failing me lately and it will be not a big surprise if they would still not comply with the requests and continue their erroneous reporting. But if the Credit Bureaus would remove the disputed items, I will be truly greatful.
Consumer complaint received 2022-10-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

In XX/XX/2022 I was accepted and began classes at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I apllied to have my loan deferred with Navient. I submitted for the deferment. I was denied. I was not given a explanation and received no correspondence regarding the denial and now my crdeit is ruined. I still need to have a deferment until my schooling is complete. I am attaching the form that I submitted.
Consumer complaint received 2022-10-28
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. (FL)

Despite multiple written requests, the erroneous items 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 items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-28
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have disputed the XXXX XXXX XXXX  account that XXXX is reporting 2-3 times. Each time, XXXX XXXX Equifax allows XXXX to report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, XXXX XXXX Equifax continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.
Consumer complaint received 2022-04-08
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-03
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. (PA)

These companies have coerced and induced me into a form of identity theft through alteration of my name from a XXXX XXXX XXXX XXXX XXXX XXXX to a XXXX XXXX XXXX XXXX format. There was no contractual disclosure or meeting of the minds.
Consumer complaint received 2022-04-08
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)

Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance
Consumer complaint received 2022-04-07
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)

What was the method of verification? This account is in violation with Metro2 compliance. I have yet to receive any notifications about the status since I started disputing these accounts in XXXX XXXX  I am having trouble trying to find date of last actively ( XXXX ) on these accounts : XXXX XXXX And XXXX, XXXX, XXXX XXXX XXXX XXXX 

I have made several attempts to have these accounts removed. I have no contractual obligations with any of these companies reporting on my credit reports.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I purchased items on a Best Buy credit card through Citi Bank. I paid my bill before the due date on the first of every month. Eventually those payments began being applied to the previous month and I was charged late fees. Essentially according to Citi I was doubling up on payments. I called and they agreed with what I was saying and removed XXXX of the XXXX late fees. They said they can only remove so many in a year. They then advised me to pay the minimum due, which was higher than normal because of the late fee. They also told me to wait until at least the second of the month which I did. I paid in XXXX on the XXXX per their advice and it still got applied to the previous month XXXX XXXX XXXX. I called and they still gave the same excuse.
Consumer complaint received 2022-10-28
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. (OK)

I went through a company that asked to run a credit check for me. When I asked would this be a hard pull I opt out and didn't authorize them to run my credit. They not only ran my credit without my permission, but under other companies as well and it keeps happening month after month. And rndom inqiuries show up for accounts I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Refinanced my home mortgage, closing date XX/XX/XXXX. Wells Fargo received pay-off funds from XXXX XXXX  in excess of the amount owed ( {$1600.00} ). This over-payment occurred with my HELOC and other debtors related to the home, and all have returned by overpayment within weeks. Every time I call Wells Fargo they say next week, or 14 days. Its been 34 days since closing on my mortgage and Wells Fargo received the payout amount directly from XXXX XXXX. Please assist me with the return of the overdue funds from Wells Fargo.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XXXX I sent a letter to XXXX XXXX XXXX XXXX agency to inform them that I am not aware of an account with them when I noticed they were reporting on my credit report. 
Account was then sold to XXXX XXXX  in XX/XX/XXXX in which XXXX XXXX  claimed I owed them money as well. I explained to XXXX XXXX  that I did not have an account with XXXX  but XXXX also started reporting on my credit report. XXXX XXXX  is currently on my credit report twice with two separate account numbers for the same supposed original creditor ( in which I explained to them, that I have no knowledge of the original creditor ). 
As of today, XX/XX/XXXX, I have been contacted by XXXX XXXX services that they are now in receipt of the account from XXXX XXXX, in which again I do not acknowledge having received any credit from XXXX XXXX.
Consumer complaint received 2022-10-28
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (NY)

Procollect calls me every day for a {$220.00} debt that i owe to XXXX XXXX XXXX i already told them i would try to resolve this in XXXX pending if i get my settlement check or not they still keep calling me at XXXX
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Self Financial Inc. (CA)

Two fraudulent ACH withdrawals from my business checking account by Self Lender Inc. as follows : XX/XX/2022 Self Lender Inc. took {$9.00} from my XXXX General account XX/XX/2022 Self Lender Inc. took {$1600.00} from the same account.

Calls to Self Lender Inc. are not returned Emails are replied by a XXXX saying they will look into it but no further response is forthcoming. 

I contacted the Fraud Dept. at XXXX and reported the transactions and they are researching the company. 

I've never heard of this company and did NOT authorize this company to ACH funds from my account.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My Citibank checking and Savings account has been locked on XX/XX/XXXX without any warning! When I called Citibank, after several calls, I was told by their XXXX XXXX XXXX Citibank has been investigating a real estate transaction since XX/XX/XXXX. The transaction according to them involved a real estate transaction in XXXX, an amount of {>= $1,000,000}. Looking through my bank records, that is an amount wired into my account after sales of my house on XXXX XXXX XXXX XXXX XXXX CA on XX/XX/XXXX, the property was initially purchased in XX/XX/XXXX! Citibank was satisfied with the explanation on XX/XX/XXXX and told me on multiple occasions account would be unblocked in 5-7 business days! As of today, my account is still frozen. Ref # of my case is XXXX. Citibank # to call is XXXX. Please help!
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HYUNDAI CAPITAL AMERICA (FL)

Dear Sirs ; I get paid on the first and third of each month, I pay my housing on the first of each month. Hyundai finance dinged my credit report and I can't apply for XXXX XXXX with the military for my housing. I pay my car payment on the third of each month. Hyundai finance went behind my back and marked me late for three months. This is wrong by any stretch of the imigation. Get this off my credit report so can apply for XXXX XXXX.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (ME)

I have been the victim of Wells Fargo opening three accounts which I did not authorize. They were opened by Wells Fargo employees. Case numbers were XXXX Related Case Number : XXXX. I just received an Email from Wells Fargo saying that I had tried to open an account with Wells Fargo using email address XXXX. I haven't worked at the establishment for 1.5 years. I feel that once again Wells Fargo will fraudulently open an account for me and then bill me as their employees practice deceit. I would never open a Wells Fargo account.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

XXXX XXXX XXXX XXXX XXXX submitted a complaint to the XXXX XXXX Circuit Court for an alleged private student loan. I previously requested the debt be validated showing that XXXX XXXX XXXX XXXX XXXX owns my original note/instrument and not a copy with my wet ink signature.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX XXXX ; XXXX ; XXXX ; USAA issued me a credit card 13 years ago. On the anniversary of the card USAA sent me a bill for the renewal annual fee ( {$29.00} ). I had n't used the card in years ; it had a zero balance ; and I called the company and cancelled the card. The rep acknowledged that the card would be cancelled but that I had to pay the annual fee. The fee was prospective, not retroactive, and I objected to paying a fee for a card I no longer would have or use. They threatened to adversely affect my credit rating if I did n't pay. I think it 's an illegal fee.
Consumer complaint received 2022-10-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

we started a loan modification, signed the paperwork back in XX/XX/2022. The loan has still not been updated, going on 6 months now. The payments I have been making since XXXX have not been applied to my mortgage balance.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (CO)

I reached out to Venmo on XX/XX/XXXX to dispute a charge. My account was frozen and has been since then. I received my disputed funds back to the account on XX/XX/XXXX, which is the same day that instructions were messaged to me about unfreezing my account. 

On XX/XX/XXXX, I uploaded the necessary documents and completed the requested password change. Since then, my account has been frozen despite me reaching out on three occasions to unfreeze the account. I am simply told that the specialist is behind, and today XX/XX/XXXX, I was actually told that it would be up to 10 days for the specialist to unfreeze my account. This is unacceptable, as Venmo ought to have enough staff to fulfill their statement of a turnaround of 2-3 business days. 

Today I was told that a note was put on my account to try and expedite the unfreezing process, but I was told that if I do not receive a notice about my account being unfrozen by XX/XX/XXXX, then to reach out to Venmo again. I don't think this is appropriate, as it is day 9 of the 10 day turnaround, and there is still no guarantee my account will be unfrozen by then.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NBT BANCORP INC. (CA)

I received a communication from the XXXX XXXX XXXX XXXX XXXX XXXX dated on XX/XX/2022. I replied to their communication that this debt is not mine and is as a result of Identity Theft. I thereafter, receive a second communication from this office dated XX/XX/2022 stating that they " have validated '' the account via a copy of records from their client- which they enclosed. After reviewing the enclosed information, I have never done business with XXXX XXXX or any doctor in XXXX XXXX, XXXX which is more than 75 miles away from my place of residence. This account does not belong to me.