davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
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. (DE)

Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in XX/XX/XXXX.
Consumer complaint received 2022-08-25
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. (GA)

In the month of XX/XX/XXXX, I spoke with XXXX XXXX XXXX Bank ( XXXX ) regarding a balance of {$1300.00} reported on my credit report. This account was acquired by another Loan Service Provider. I received paperwork that the first payment would be due to the new service provider on XX/XX/XXXX. I have reached out to XXXX in an attempt to correct this item and remove the charge-off. This never should have been on our credit reports. The account was acquired. We have reached out many times to XXXX and they seem to not have much information ; however, they continue to keep this erroneous information on my credit report.
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (FL)

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
Consumer complaint received 2021-11-16
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. (MS)

I declare that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. The items found within my credit report that I listed on the following pages are not related lo any transaction that I made, I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you do so for. I want to make it clear that I am not making this request in error I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still some accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-04
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. (IL)

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$280.00}
Consumer complaint received 2022-04-21
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. (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. XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX Account Number : XXXX XXXX XXXXXXXX XXXXXXXXE Account Number XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXXXXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX A Account Number : XXXX DPT ED/XXXX Account XXXX XXXX XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : 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 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 2021-11-16
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX  Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants' Credit Guide Company (FL)

With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
Consumer complaint received 2021-11-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Plus Inc (GA)

XXXX pulled my credit, file # XXXX according to XXXX XXXX ( the third XXXX ) I did not authorized the credit pull which was done on XX/XX/21 by XXXX with the file # XXXX. 

I have on file with Credit Plus XXXX pieces of ID and a police report stating I am a victim of ID fraud. 

Please remove this inquiry from my credit report.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TN)

chime is an absolute scam. I have opened an account and as soon as I send money to it form my XXXX account. chime has locked access to my account. there is a message showing up I should contact them at XXXX but they completely ghost me and do not even bother to reply. so basically they stole all my funds which have been sent to the account
Consumer complaint received 2021-11-16
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. (IL)

XX/XX/XXXX, I paid off the remaining balance on my four Federal XXXX  student loan accounts with XXXX ( XXXX XXXX XXXX ) totaling {$2200.00}. In XX/XX/XXXX, XXXX XXXX score was XXXX and XXXX in XX/XX/XXXX. By the second week of XX/XX/XXXX, XXXX XXXX credit score dropped 133 points from 686 to XXXX. In addition to the negative scores, my online credit information from XXXX and XXXX XXXX XXXX indicated the factors damaging my credit were : Serious delinquency Presence of serious delinquency on one or more accounts XXXX and Equifax to remove and correct all inaccurate information and any references to the negative reporting of Adverse or Negative and Maximum Delinquency of 60 days and NOT_MORE_THAN_THREE_ PAYMENTS_ PAST_DUE on all 4 XXXX student loan tradelines from my credit file. The negative reporting on all 4 XXXX student loan tradelines are incorrect for several reasons : a. Existing information on XXXX website ( Loan Details ) cites 0 Days Delinquent during term of student loan repayment. 
b. The OK/Current payments recorded in XXXX and Equifax Tradeline Payment History Charts affirms the 0 Days Delinquent information indicated in the Loan Details from XXXX website XXXX 
c. The Equifax Summary Details for Account Status , labels all 4 XXXX tradelines as being NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE, and XXXX of 60 Days Past Due Date XX/XX/XXXX, contradicts the OK/Current data recorded in the Tradeline Payment History chart sections for both credit reporting agencies. 
d. In the Equifax and XXXX Tradeline Payment History charts, the XX/XX/XXXX ratings section is omitted ( this is the month the loan was paid and closed ) and instead the Tradeline Payment history chart ends XXXX XXXXand is marked with OK payments for XX/XX/XXXX and ALL months prior. 
e. My account can not be 60 or 30 days ( both less than 3 payments ) past due in XX/XX/XXXX when the prior months of XX/XX/XXXX and XX/XX/XXXX are deemed OK/Current ( Due date on XXXX accounts were the XXXX of every month ( there are only 30 days between XX/XX/XXXX, and XX/XX/XXXX ). 
XXXX and Equifax should have immediately flagged the errors and inconsistencies by requesting XXXX to validate or provide the correct data before incorrect or false information is added to my credit file. My credit has been irrevocably damaged causing me great harm. With poor scores and negative information in my file, for the next 6 years or XXXX I will be unable to secure credit, a lower interest rate, any additional lines of credit, a mortgage for a home, or obtain an auto loan. On XX/XX/XXXX, I was already denied a loan from a company with whom I previously had a line of credit which I paid-off in XXXX of XXXX.
Consumer complaint received 2021-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (GA)

On XXXX I received a notification from XXXX, a debt collection company. They violated my right to privacy ( 15 USC 1681a ( 4 ) when they received my location information from SunTrust Bank regarding an account that was opened as a result of identity theft. XXXX further violated 15 USC 1692e by demanding payment for an alleged debt in a positive status and violated 15 USC 1692b by stating an alleged debt was owed.
Consumer complaint received 2022-10-16
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. (MD)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX MY PERMISSION TO FURNISH THIS INFORMATION ONTO MY CONSUMER REPORT. THIS IS A SERIOUS VIOLATION PURSUANT TO CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS A BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2021-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have been trying to add my son to the family plan for several months after Equifax moved to myEquifax. I was told that I needed to send in documentation of guardianship. I mailed it in in XX/XX/2021 with certified mail ( received the stub ), but was told that they did not receive it. I then faxed it in in XX/XX/2021 and received confirmation that my fax went through, but yet again was told that my information was not received. I find it extremely disconcerting that a credit monitoring service that is suppose to monitoring and protecting my credit keeps telling me that my personal information that I have sent in is no where to be found in their system. Furthermore, every time i call, I am transferred to multiple people who do not seem to know what is going on. Today, I was transferred to XXXX different agents and was on the phone for XXXX hr XXXX minutes without any resolution. I am extremely frustrated and dissatisfied with Equifax 's service.
Consumer complaint received 2022-11-11
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: WELLS FARGO & COMPANY (NJ)

on XX/XX/XXXX Wells Fargo received a hand written Billing error notice letter from me and blatantly ignored the letter and proceeded to report the the amount in dispute to XXXX, XXXX and XXXX which adversely effected my credit score. Wells Fargo failed to comply with XXXX CFR XXXX ( c ) ( XXXX ). 

Wells Fargo provided me with an address over the phone specifically for overnight mailing so that I could send me remittance payment. ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). My payment in the amount of {$6700.00} was received on XX/XX/XXXX at XXXX and was signed for by a Wells Fargo representative by the name of XXXX XXXX XXXX Till this day, Wells Fargo has not credited my account. I've spent months calling and sending disputes and Wells Fargo continues to lie stating they never received the payment despite the fact I have proof/tracking information that shows my payment was in fact received. my credit score went from XXXX to XXXX because of Wells Fargo 's unfair business practices. The executive office assigns people to my disputes that continue to reverify false information. my family and I have been suffering since XXXX of XXXX. My credit card is maxed out because Wells Fargo is receiving my payments by mail and refusing to credit my account. The erroneous balances that they are reporting to consumer reporting agencies has ruined all my chances to take take out any loans. To add insult to injury, Wells Fargo has just reported a late payment on my consumer report AFTER I notified them again in writing of a billing error. Ive had a enough of their discrimination and unfair business practices! 

Wells Fargo is violating 15 usc 1666b which clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Wells Fargo is not in compliance with 12 CFR 1026.13 ( d ) ( 2 ) as they continue to purposely report adverse information on my consumer report.

on several occasions, I requested a refund in accordance 15 usc 1666d ( b ) and Wells Fargo has willfully non complied by refusing to refund me. Wells Fargo has refused to comply with both 15 usc 1666d ( a ) and 15 usc 1666d ( b )
Consumer complaint received 2021-11-16
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: CITIBANK, N.A. (DE)

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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX MACYS with Account XXXX and a balance of {$5500.00}. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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. 

XXXX BANK # XXXX, XXXX XXXXANK XXXX XXXX, XXXX XXXX XXXX # XXXX, THE BUREAUS # XXXX, XXXX & XXXX 2011 XXXX XXXX, XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights XXXX 

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 2021-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-11-11
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. (RI)

After review of my EQUIFAX credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted an affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
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. (UT)

I have disputed two accounts with XXXX XXXX XXXX. Please see attached file. The account was closed and paid on XX/XX/XXXX. The statute of limitations on PAYED AS AGREED trade lines is 10 years from the final payment & date closed. On XX/XX/XXXX there was an unauthorized updated which should never have happened to begin with. As a result, the account will continue past the statute of limitations of 10 years. 

I tried to call but the Equifax telephone system is programmed in such a way, that me, the consumer, can not connect with a live person. 

I need all my recent disputes gone over with me by a live person from Equifax so that all the disputes can be addressed. No one has the right to do an update or change a status date to keep information in my credit profile longer than allowed.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America OverDraft Items fees ', XXXX Putting consumers into more debt and or taking their hard earned money. Bank of America rearranges accounting to suit their needs. They also should not charge if deposits are made to the account within XXXX hours, fees ' should be reversed, especially if a consumer calls and requests assistance. Email notifications of low balances do not occur at times for up XXXX hours after. I made deposits on so many occasions on the requested fee reversals.