davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-06
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. (TX)

credit inquiries that i did not authorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2024-02-06
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

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 2021-02-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (GA)

I received without requesting it or participating to any Government program a US-Bank Relia Card.

Despite many tentative to contact the Service at the indicated phone number, none ever answer the phone, but the computerized voice message lead to a never ending hold. 

I did not apply for this and want my record deleted from the system as this is a fraudulent use of my name.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX 2016, i Checked my credit on credit karma and had a total of XXXX hard inquires removed from my report. I checked my account on XXXX and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have been calling transunion ever since and received no help. no one will transfer me, no one will connect me to an XXXX representative or the fraud department. multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and i should simply file a complaint because they will not fix it.
Consumer complaint received 2024-02-06
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-06
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)

The creditors and credit bureaus are causing financial hardship due to improper use of my credit report. Per the FCRA, as a federally protected consumer. I am contacting you for the violation of 15 U.S. Code & 1666B - may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also under 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also according to 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In conjunction with 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services of any collection agencies. Also, Reporting Transaction history is also illegal according to 15 U.S. Code 1681a. All data must be furnished correctly. To enforce my rights, I request Under 15 U.S. Code 6805 Enforce.
Consumer complaint received 2017-01-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (MO)

I was informed from my bank when I applied for a loan that there was collection accounts on my credit report. I was unaware of this Company, LVNV Funding LLC . I put in a dispute with credit bureau and it is still pending. In the meantime I had joined a website called collection shield XXXX that helps consumers dispute collection accounts, this was in XXXX 2016. To date I still have yet to receive verification of the debt LVNV funding says I owe and was served with a summons to local court. The papers state this is for a charge off account from XXXX XXXX Bank. Upon further investigation I found that LVNV Funding is owned by XXXX XXXX Bank. So is it legal that they can even sue? I did find XXXX bank to also be on my credit report and it states that account was charged off and was sold to LVNV funding. How can it be sold to a company they own ... and how can they sue me if account is under investigation and in dispute and they have n't even verified the account.
Consumer complaint received 2024-02-05
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. (TN)

The following items have been disputed on my report and the companies haven't reached back out to me. 

XXXX XXXX XXXX XX/XX/XXXX - {$550.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - {$550.00} XXXX XXXX  XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XX/XX/XXXX - {$1100.00}
Consumer complaint received 2024-02-05
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. (AL)

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 2024-02-05
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. (NC)

Several different Inquires are on my report that I have absolutely no knowledge of at all. I know for a fact that these Inquires are a result of Identity Theft. I have filled reports for several fraud accounts opened up in my name as well. Alot of these Inquires are repeated several different times on my credit report. I have attached a Federal Trade Commission Affidavit that has all the Inquires listed, as well as copies of these Inquires from the varies Credit reporting Agencies.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I was scammed and deposited a total of {$7400.00} into another person 's Chase account into two transactions. 

{$2400.00} on XX/XX/2021 {$5000.00} on XX/XX/2021. 

A few days later I found out this account is fraudulent and contacted Chase bank. The person I spoke to advised me that there is nothing they can do with out police report. The same day filed a police report and contacted the bank again today XX/XX/2021 and despite all the documents and communications I have from the scammer, they told me there is nothing they can do to retrieve the money.
Consumer complaint received 2022-10-03
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 have tried in many occasions and in different forms to contact the credit bureaus XXXX, Equifax and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank XXXX XXXX Account XXXX Bank XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: American First Finance, Inc. (CA)

I went to XXXX XXXX  in XXXX XXXX to buy an advertised refrigerator. They said if I signed up for a credit service under American First Finance, that I could save 10 % on purchase price. 
They also said if I paid off within 90 days I would not have any accumulated interest. I went to payoff within a week and they said there was an early payoff fee. They never told me that, or I would have never signed up for that finance. I feel very taken advantage of and this is very fraudulent.
Consumer complaint received 2019-02-17
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. (PA)

Equifax deleted 4 fraudulent XXXX XXXX inquiries from my credit report but they left 5 fraudulent inquiries on my credit report.

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

XXXX XXXX told the CFPB that some are fraudulent. 

Equifax has been stating that these inquiries were verified for months. 

I asked XXXX  XXXX and Equifax for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?
Consumer complaint received 2022-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Designed Receivable Solutions, Inc. (CA)

Company : Designed Receivable Solutions , Inc, Amount 1 : {$4400.00} Amount 2 : {$1000.00} Company has never sent correspondence stating I was going to collections or to show proof that I owe this amount and why. Have tried contacting and have not received a response. Have disputed the charge on my credit reports as well. 

These charges I assume are from a hospital stay. I had two health insurance plans at the time, VA XXXX XXXX and XXXX XXXX. The hospital has both insurance contacts and only approached the VA after I repeatedly asked them to contact XXXX.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (GA)

my dad is XXXX years old. He had an XXXX account and this company during that time continue adding services he did not need and could not use. I tried talking with them and the people in the customer service i in other countries continued to tell me they were taking care of it, but to no avail. My dad has perfect credit and has always paid his bills, but i refuse to allow him to pay a {$500.00} cable bill. I feel they have taken advantage of this Senior cItizen.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

I have spoken with someone from I C systems on a few occasions only by phone. I have never received any written correspondence from I C Systems even when I have requested to receive documentation of debt with them. I have asked them to provide me with written documentation from their company about full nature of debt. They have refused to send anything in writing. I have never done business with I C Systems, I have never signed a contract with I C Systems, and I have never received a service from I C Systems. Furthermore, I C Systems is not licensed and bonded to collect debt anyway! 
This company should not have any of my information because I have no affiliation with I C Systems Collections. The amount that they claim that I owe is {$86.00}.
Consumer complaint received 2019-05-17
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. (NC)

XXXX  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2016-04-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (CA)

My car loan was funded by Gateway One Lending. They sent me a welcome letter, saying my statement is on the way. But they never sent me a statement. I called 2 times for a copy and none arrived so I paid over the phone. Then after several calls to gain online access, their page says there is no statement available for the XXXX XXXX due date. No one has given me a clear answer on where my statement is.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (TX)

DataVerify, a self described single-source platform for " data verification, fraud prevention, and compliance assistance '' is inaccurately reporting 5 foreclosures on a consumer report that was used by my mortgage lender to deny my loans. 

I have never owned any property in the State of Florida, I have never had a foreclosure in my life as alleged by DataVerify 's willful inaccurate reporting. 

As a result of DataVerify 's continued inaccurate and negative reporting, I have suffered actual damages, including without limitation invasion of privacy, out-of-pocket expenses in challenging Dataverify 's knowing, willful and intentional inaccurate reporting.

Dataverify fails to provide information for the average consumer to dispute these inaccurate and negative Consumer Report, as defined by 15 U.S.C. 1681a ( d ) ( 1 ), impacts a consumers eligibility for : A. credit or insurance to be used primarily for personal, family, or household purposes ; B. employment purposes ; or C. any other purpose authorized under section 1681b.

As a result, the information held within a consumer report impacts not only a consumers credit worthiness, rating, and capacity, but also the character, general reputation, and personal characteristics of the consumer.

Evidenced by DataVerifys failures to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates as required by and in violation of 15 U.S.C. 1681e ( b ).
Consumer complaint received 2022-10-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Have filed into foreclosure case XXXX  XXXX XXXX responded I replied. 
Also pulled Credit report the FHA mortgage shows paid. XX/XX/2013 No other mortgage appears says Bank of america XXXX XXXX XXXX XXXX XXXX CA " refinanced '' we were paying every month for a year and half till the XXXX XXXX case and BoA showed up with an FHA $ XXXX mortgage. Somebody was pocketing our payments and forged the 2013 FHA mortgage Look up the address on the credit report comes up couple bldgs and as XXXX XXXX XXXX No banks.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Upon making a payment to my Sam 's Club and JC Penney credit card accounts, I discovered that my card was closed. I did not receive any documentation from their issuer, Synchrony Bank. Upon contacting them, I did not get a clear understanding and as to why. It seemed as though I'm being discriminated against by the credit issuer as I have encountered unpleasant calls to them when I had to get XXXX cards issued to me due to theft of my vehicle and my apartment being broken into in XXXX of XXXX. Things were never the same with Synchrony Bank after that. I'm a woman of XXXX who used these accounts for business purposes and now have to resort to other options. This will permanently damage my credit and will lead to more discrimination by other credit issuers.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (WA)

My account was closed by PNC around XX/XX/2022. There was {$5800.00} in my account. I never received the closing check. Tried to contact PNC and filed several complaints but I still have not received the check. I asked them to send via registered check and they promised to do so but never did.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CA)

Aspire broke the arbitration agreement they put in place by closing my account and posting late payments ( see attached ). XXXX, XXXX, and XXXX should not be showing late fees or closed accounts on my consumer report. Also there was no adequate notice given, according to 15 USC 1602 ( k ). My most recent reaching out to them was XX/XX/2022. Also I do not consent to XXXX XXXX for verification.