davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} 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 XX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm following up on my previous letter about inaccurate credit reporting. I demand an immediate, thorough investigation and correction, as the banks confirmed a glitch and fixed it ; any further delay will not be tolerated, and legal action will follow. Ensure my credit report reflects accurate information promptly, as it is crucial for my financial well-being. I expect swift resolution within the legal timeframe.
Consumer complaint received 2024-02-14
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2020-11-15
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$12000.00}, {$4500.00}, {$4700.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

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

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Consumer complaint received 2024-02-14
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. (NY)

I Received verification/ Letters / EMAIL that XXXX XXXX XXXX XXXX XXXX XXXX has been PAID/COLLECTION CANCELED TO BE REMOVED FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES!!!!!

ACCORDING TO CONSUMER PROTECTION FEDERAL SERVICES AND THE FCRA, AND THE FEDERAL TRADE COMMISSION!!!!

15 USC 1681 ( A ) ( B ) ( C ) ( E ) STATING INACCURATE INFORMATION AND THE RIGHT TO PRIVACY AND ETC!!!!

I WANT TO SUE FOR MONETARY DAMAGES FOR ALL THESE YEARS STATING ALL THESE ERRORS ON MY 3 MAJOR CREDIT REPORTING AGENCIES ACCOUNTS!!!

ALL 3 MAJOR CREDIT REPORTING AGENCIES SHOULD REPORT EXACTLY, ACCURATE SAME INFORMATION!!

THIS HAS BEEN 2 TO 3 YEARS DISPUTING THESE 2 OR MORE ACCOUNTS!!

30 TO 90 DAYS IS THE LAW TO REMOVE THESE PROVEN TO EXTEND PAST 30 TO 90 DAYS AUTOMATICALLY SHOULD BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES!!
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I submitted a dispute to Equifax regarding inaccurate information on my credit report. In this letter I provided my full SSN, DOB, Current Address, Full Name as well as a detailed description of the items I am disputing. I received a letter from Equifax stating " We are unable to locate a credit file in our database with the identification information you provided. '' However, I have provided all accurate information and can verify there were no typos with my personal information. Equifax is requesting I provide physical copies of supporting documents to verify my identification and address. I am submitting a complaint because to my knowledge, based on research I haven't seen anywhere in Fair Credit Reporting Act that states I need to provide physical documents for my identity when filing a dispute, when I've already provided accurate information that can easily be verified by the credit bureau. Thank you for your assistance in this matter.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have been in communication with XXXX XXXX for several weeks now, about the balance of my account reporting inaccurately on my credit reports in all XXXX credit bureaus, XXXX, Equifax, and XXXX, and how it has been negatively impacting my ability to qualify for credit and being detrimental to my quality of life. 

They have refused to communicate effectively with me by phone or by email, and have been trying to put the responsibility off on the credit reporting agencies rather than accurately changing their reporting data. 

Their contact information is as follows. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX I have closed my accounts with them, and I am asking that their account does not report to my credit report on any of the XXXX bureaus and be removed immediately, please! 

Thank you!
Consumer complaint received 2018-01-10
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: AmerAssist A/R Solutions, Inc. (CA)

filed chapter XXXX discharged in XXXX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (VA)

At some time between XXXX/XXXX/16 and XXXX/XXXX/16 my ATM debit card was stolen. On XXXX/XXXX/16 I realized the card was gone when I checked my online banking and saw XXXX pending ATM withdrawals. I immediately notified the bank and had the card canceled. The first XXXX withdrawals were for {$200.00} and the third was for XXXX these withdrawals took place in XXXX, NY and the card was stolen where I live in XXXX, Va.
Consumer complaint received 2020-07-01
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. (FL)

On XX/XX/XXXX I made a payment for a Villa in XXXX. The payment was made through XXXX using my Citi Bank card in the Amount of {$750.00}. My trip was for XX/XX/XXXX-XX/XX/2020. Due to Covid-19 my trip was cancelled. I communicated with the company that I rented the villa from and they were well aware of the cancellation before the 30 day cancellation window and agreed to refund my payment. On XX/XX/XXXX the company attempted to refund my money through paypal. On XX/XX/XXXX I got a notification that the refund did not go through. I reached out to my Credit card company Citi Bank and let them know what happened and provided all the documentation showing the payment and attempted refund ect ... They issued a temporary credit and waited for XXXX to respond. XXXX responded to them with the transaction information and they took the credit back from me. I called and asked what was going on the rep told me not to worry because I would get my money back because I clearly did not get the service I paid for. I told her I had sent all my documents in. She told me I was supposed to return a letter signed and they would continue with my dispute. I later received a letter from Citi saying that my needed to reach out to XXXX because there is nothing they can do. I have since reached out to paypal who has sent be back to Citi to have them handle the claim and reach back out to them. I contacted Citi told them XXXX told me to come back to them. I asked them to reopen my claim and I resent all the documents that I had initially submitted back in XXXX. They then sent me a letter saying that the timeframe has lapsed an I need to contact XXXX. I have since reached out to XXXX who has now sent me back to Citi to have them help me because they are waiting on Citi to contact them with their decision that they XXXX will honor. I am tired of going back and forth with these two companies. I need my {$750.00} back. I have done everything I was supposed to do and I am still being passed back and forth. Please help!!
Consumer complaint received 2024-02-14
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. (FL)

IIn 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-02-14
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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 2023-05-11
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. (OH)

During the Pandemic I had two credit cards with XXXXXXXX XXXX XXXX. One card was opened in XXXX XXXX and I had one late payment in XX/XX/XXXX. The other was opened XXXX XXXX and had 3 late payments XXXX, XXXX and XXXX of XXXX. I live in a state where we were shelter at home and I was told no late fees or credit reporting would happen during this time of the Pandemic. After checking credit report I see both accounts reported these late payments as promised would not happen. I was surprised to see this as I was assured it would not happen.
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contested fraudulent account with the credit bureaus multiple times. I have sent documentation to support claims that this account was fraudulent including police reports and Affidavits of Non Ownership and the account still shows as active. 
I have requested proof of ownership from the original creditor. Original creditor has never responded with anything. This is a fraudulent account that has had a negative impact on my credit score, my ability to rent a place for my family and I to live and has caused me to have to pay more for credit dependent services such as utilities, credit cards and insurance. 
Please have this account removed immediately.
Consumer complaint received 2024-02-14
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. (MS)

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 XXXX 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 correct : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Consumer complaint received 2024-02-14
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. (NY)

My identity was compromised and used to obtain credit without my permission. Kindly to investigate and delete this fraudulent collection off my credit report. 
This account is attached with a fraudulent address not belonging to me. My signature is also not present nor any legal document, kindly investigate this. 

XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-02-14
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. (CA)

I received a consumer report from XXXX XXXX, and equifax and they all have reported inacurrate information on my consumer file and they are not following federal law and I as a consumer have a right to privacy and this is illegal to report transactions and also without my consent. I have never given consent to these inaccurate reportings. I have NEVER been Late and I have never missed a payment. These reporting agencies are not allowed to report any transactions history that is negative and for any purpose. I have been violated as they have caused me mental harm, stress, and loss of credit extensions as they have been furnishing my information and reporting information that they have NO RIGHT to report. 
They have assumed a role that they are part of the government and they are not. I Demand that they update the accounts to show as paid as agreed or paid. I need these agencies to update my files and the accounts that they have as late to get them corrected as I need the history
Consumer complaint received 2023-05-11
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. (CA)

On XX/XX/XXXX  I transacted with XXXX XXXX XXXX XXXXo get a home mortgage pre-approval, which according to them required a credit report be pulled from Equifax, XXXX, and XXXX. Starting on XX/XX/XXXX  I have received on average 10 phone calls per hour on my mobile phone from mortgage companies soliciting home mortgages. The credit bureaus clearly shared my information to others outside XXXX  XXXX XXXX without my consent and now I am being inconvenienced at an unacceptable rate with calls, texts, and emails.
Consumer complaint received 2023-05-11
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 complaint last XX/XX/XXXX  and it was closed immediately. I submitted a complaint again last XX/XX/XXXX  and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-02-14
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. (MD)

I send Equifax Dispute about XXXX XXXX  on my credit report Some time ago Equifax did not Delete the Inquiry from my credit report Equifax is in Violation and Violation of my Consumer rights and reporting inaccurately Information my credit report all Inquiry on my credit report all false and fraudulent. I have information from Equifax saying it was remove from my credit report all Inquiry are still there. Its allot of Misleading False Reporting on my credit report and all in Violation of Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-14
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. (NY)

Dear XXXX, I'm writing to you because I recently reviewed my credit report and noticed some late payment entries that inaccurately reflect my financial history. 
According to my understanding of 15 USC 1666b, there is no legal requirement for credit transactions to be reported, and I assert that including these late payments is unjustified. 
I kindly ask that these properly be removed. I believe that this action is necessary to ensure the accuracy and fairness of my credit history as mandated by the FCRA
Consumer complaint received 2020-07-01
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: M&T BANK CORPORATION (NJ)

I called MT BANK to discuss options of reducing my credit card debt or monthly payments on a balance that currently requires over {$300.00} of min payment per month, due to the COVID-19 situation in which I was left unemployed. I talked to somebody who just told me to go to a website and get the " help '' from there. I was previously on that website and the only options they have were for mortgages and car loans and the like, and nothing that could be of help in my case, there were hardly any options for credit card owners and the only thing available was if my account was in " bad standing '', to use a form to apply to get it back to good standing. At the present moment, I'have not missed a payment due but I will in the next weeks and my call to the bank was to inquire about the ways to prevent that, by arranging some sort of alternative payment so that I don't lose my " good standing '' status! I am currently under a 0 % promotion, which will automatically turn into default 25 % or something like that if I skip a payment and will automatically incur THOUSANDS OF DOLLARS OF FEES AND PENALTIES, which I am naturally trying to avoid!!! This was clearly explained to the representative, who replied " WE are a business and you can apply for hardship relief only AFTER your account IS PAST DUE '' .... Basically they told me that they WILL CHARGE ME EVERY FEE, INTEREST AND PENALTY THEY CAN, and then start looking into my application to see " if '' they can do anything about that!!!! 
After repeating to the representative that I do not want to end up in that " after the fact " situation, she just told me " have a nice day '' and hung up!!!!!!!!!! 

I can not imagine a more blatant, brutal and arrogant disregard of somebody's hardship situation and sincere attempt to keep " good standing '' status!!!!!!