davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that this is being reported efficiently as per the Fair credit Reporting Act regulations. I have done many attempts to reach out the XXXX Credit Bureau but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A. (OK)

Last week I used my CITI card to pay for care for a cat at the XXXX XXXX XXXX XXXX ( XXXX ). On Monday, I received another bill from the hospital in a different ( and slightly higher ) amount. What confused me was that the second bill indicated that I had n't paid anything on my account. So, I went to the CITI website and found that, indeed, I had paid them. What shocked me was that, in addition to the amount they had said I owed, there was a pending charge of {$430.00}. I can only assume that this fraudulent charge was placed on my credit card to insure that I paid the second bill. I wish to lodge a complaint, not against the credit card company who responded quickly to my complaint, but against the XXXX XXXX XXXX XXXX for using my credit card without my permission.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (SD)

on XXXX XXXX I want to use my atm debit card and it would n't work at a gas station. I checked it at ATM kiosk and it told me that the card has been deactivated. I went to Citizens Bank the issuer of the card and they seized my card inform me that the account was closed. Would n't give me any explanation.that was the XXXX branch. or to the XXXX branch office the next day with a witness.they still would n't tell me why the account was closed however the branch manager informed me that she would call me back in XXXX and she would try to resolve the issue and give me an explanation as to why my account has been frozen. I called two days later. the branch manager XXXX and for me that they 'd send a letter closing my account to XXXX to my residents on vacation here in XXXX at the time. where my XXXX check was deposited they froze the account. now they informed me that they 're sending a letter to XXXX telling me when they will release my funds. that supposed to be in a life-threatening situation due to my medical needs and the fact that they just need the money to live on.its cause me damages by Missed business opportunities and the inability to pay my automatic reoccurring accounts. not knowing if I 'll ever get my money back so extremely stressful.
Consumer complaint received 2024-02-08
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. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Subject : Dispute of Incorrect Personal Information on Credit Report Dear Consumer Assistance, I am writing to dispute inaccurate personal information that appears on my credit report. After reviewing my report, I have identified several errors in my personal information section. The incorrect information is as follows : XXXX. Name Variations : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address Information : 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 I can confirm that the information provided above is inaccurate and does not pertain to me. I have never resided at any of the addresses listed, nor are any of the name variations associated with me. This incorrect information could potentially harm my creditworthiness and financial standing. 

As per the Fair Credit Reporting Act, I request that You investigate these discrepancies and promptly remove the inaccurate information from my credit report. I have enclosed copies of documents that verify my correct personal information for your reference. 

Please provide me with written confirmation once the investigation is completed and the erroneous information has been rectified. Additionally, I request a free copy of my updated credit report once the corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and efficiently.
Consumer complaint received 2020-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$3100.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I have responded XXXX to their demand letters asking for validation of debt. They have not provided it and continue to delay by asking for more information from me. I have provide their account number and my name to them, and that has not been enough for them to validated the debt.
Consumer complaint received 2024-02-09
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. (GA)

I am trying to buy a car and get a new home. I realized I had damage on my credit report. According to 15 U.S.C 1681, there should not be any damages to my report. I have sent a dispute letter in XXXX which surpass 30 day request for removal. I then sent another letter in XXXX give 14 days to remove the damage due to no response past 30 days and a {$1000.00} check for emotional damage.
Consumer complaint received 2015-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

They have been calling from this number XXXX and more times a day not leaving messages. I do not owe anything to this debt collection company and I have told them that if they call this number again I will report as a harassing phone call. They continue to call.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

HSBC Bank is reporting XXXX separate delinquent accounts on my credit report, as well as a collection account for XXXX of the same accounts. The delinquency is more than 7 years old. I have requested that these accounts be removed, but they continue to remain on my credit file.
Consumer complaint received 2024-02-09
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. (MA)

XX/XX/2024 : I signed up for myEquifax to check/manage my Equifax report as well as dispute/correct any incorrect information. I noticed I could only see my credit score but not my credit report. 

XX/XX/2024 : I tried to pull my report from XXXX and was unable to. ( It sent a code to my number but then gave me an error. I knew it was a technical issue because even my creditors couldn't pull my Equifax report whenever I tried to apply for something I would get instantly denied. ( Due to a technical error pulling my Equifax report ). I called Equifax 's Customer Care team and they told me they have escalated my case to the technical department and I should expect a reply between XXXX hrs. 

XX/XX/2024 : I call again since I haven't received any update. They tell me to wait and they escalated another case. 

( I have done this a few times so I will skip to a month later ) XX/XX/2024 : A month later still facing the same problem and found out that the technical department hasn't even looked at my first case, all the cases were still pending with no update. 

This issue has caused me to get denied for multiple applications purely due to a technical issue that I have no control over. There is no excuse for a credit bureau to be this incompetent when dealing with consumer cases, especially when it has major repercussions.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (CA)

I attended XXXX College in XXXX, CA from XX/XX/XXXX-XX/XX/XXXX. I took out a loan through XXXX XXXX who then sold my loan to UAS University Accounting Service , LLC . I would like to know if my loan was included in the CFPD settelement that was granted to some loans with XXXX XXXX.
Consumer complaint received 2016-02-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

I purchased a car from XXXX XXXX Toyota and the finance department offered me gap explaining that it will cover anything that my insurance does n't covers if the car was to get totaled which did happen on XXXX XXXX XXXX so my insurance which was direct general paid what they believed the car was vauled at XXXX which does n't make much sense because it was a XXXX Toyota Corolla with XXXX miles and the gap which was XXXX company paid XXXX which was n't the remainder because the payoff was XXXX so now I have a balance left on the car that I have to pay and I have no car and owe my finance company XXXX and they want the payment in full I ca n't get a another car because the loan is still on my credit and if I do n't pay them XXXX by XX/XX/XXXX they will charge it off it seem very unfair and then also my finance company reported to my credit as been 60 days behind when in never was late with them I got in the accident on XXXX XXXX and it was made aware to them and my insurance declared it as a total loss and my insurance advise the was going to issue the check which they did and my finance company still reported to my credit as 60 days past due
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This account is reporting inaccurate and incomplete information XX/XX/year> no data XX/XX/year> no data XX/XX/year> no data XXXX it's reporting charge off this is inaccurate Update to paid in full and never late Also this account was sold to XXXX company and paid on XX/XX/year> Update or delete immediately
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to file a complaint concerning a violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality. Despite explicit requests for reinvestigation directed at XXXX, Equifax and XXXX and XXXX regarding the following accounts : 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 their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. Thank you for your immediate attention to this pressing issue.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to dispute the following information that XXXX XXXX XXXX svc supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( XXXX ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2022-10-04
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 XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX SERV # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  BANK # 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 2024-02-08
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. (PA)

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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. FAIR CREDIT ACT 15 USC 1682 SECTION 603 AND 15 USC 6802 ( b ) ( c ) AND 15 USC 1681C ( a ) ( 5 ) This account is fraudulent. This account all due to Identity Theft. I have never had an account with XXXX XXXX XXXX. Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX : Amount {$2900.00}
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX : Former American Express Account # Ending in XXXX I had an American Express Card that I used regularly for almost XXXX years. I traveled extensively on my job. I had saved and accumulated many, many frequent flyer miles ( I ca n't remember exactly but it may have been between XXXX - XXXX miles if I remember correctly. I have the documentation somewhere but it may take me a lot of time to find it. My American Express Account was closed in XX/XX/2007. When I went through a period of no work assignments ( which was no fault of my own ) I got behind in paying the balance within the normal XXXX days that I usually paid my bill. However within a short period of time I did pay my American Express bill all back in full. I felt that I had earned all the frequent flyer miles but American Express took them all away and closed my account. I paid everything that I owed to American Express. I do not feel that American Express should not have taken my miles away since I had earned them. I am requesting that they restore my miles, even if they give me a XXXX credit line, as long as they give me my frequent flyer miles back. Also I am willing to open an American Express savings account if they will give me my frequent flyer miles back. 
XXXX attached documentation from American Express. I have other documentation ( old account statements ) but it may take more time to find them since I have moved and I have everything in bags and boxes. American Express does have its own records to look the documentation up. I remember having at least XXXX American Express Account numbers over the period of time that I had the account.