davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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  that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. All the above accounts XXXXfiled a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

I went on line and had my cash rewards sent to me by check. I was informed that it would take 10 to 14 days to receive it. I never got it. I called CITI and the person put a stop on the check and supposedly issued a second check and sent it off to me. After two weeks I never got that check either. Called in again and the person put a stop on that check as well and told me that I had a problem on receiving my mail. I told him my mailbox is locked shut and no one but myself is opening the mailbox and all my other mail is making the trip to my mailbox just fine. He then told me that he was going to restore my cash rewards to my account and that I should go online and have it transferred electronically to my bank account. He said it would take two days to post. After four days my cash rewards has NOT been restored. I 'm now convinced that CITI never sent the check in the first place and I 'm now getting the classic runaround.
Consumer complaint received 2024-02-10
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. (MI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had to late payments on an account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. 
This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX Account # XXXX XX/XX/23 XX/XX/23 I am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demmand these payments be updated to paid on time immediately. Thank You for your understanding and prompt actions
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-09
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. (MS)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2700.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$51000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-27
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: MAJR Financial Corp (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Experian put a security alert on my credit report and left it on for a long time I believe a little more than one year causing me to have lots of hard inquiries because automatically lenders think that the person is not the person who is applying due to the security alert. Now the security alert is off, but the consequences is that it left me with lots of hard inquiries on my credit report. I was denied credit because of this security alert that was on. Please have them to remove the hard inquiries from the past year since I already contacted the lenders and they said only credit bureaus can take hard inquiries off.
Consumer complaint received 2024-02-09
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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. (WV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$98.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
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. (NV)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
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. (AR)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous reporting of a late open account on my credit file, as maintained by Credit Bureaus. Despite multiple attempts to correct this inaccurate information, it continues to adversely affect my credit profile and financial standing. 

The late open account in question is associated with XXXX XXXX, and it has been inaccurately reported as late, despite my diligent efforts to ensure timely payments and compliance with all contractual obligations. This erroneous reporting has resulted in a significant negative impact on my credit score and financial opportunities. 

I have taken the following steps in an attempt to rectify this situation : I have initiated disputes through your bureau, attaching all the necessary documentation to support the legitimacy of my claims. Regrettably, these disputes have not led to the correction of the inaccurate reporting. 

The continuous presence of this inaccurate information on my credit file has not only hampered my ability to access credit but has also caused considerable emotional distress and frustration. It is essential that this matter is resolved promptly to ensure the accuracy and integrity of my credit report. 

Implement measures to prevent the recurrence of such errors in the future and enhance the accuracy of credit reporting. 

I understand that accurate credit reporting is essential for individuals ' financial well-being, and I expect your bureau to uphold the highest standards of integrity and accuracy in this regard. 

Failure to address this complaint adequately may compel me to explore legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this matter and your commitment to resolving it in a timely and satisfactory manner. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : XXXX.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/XXXX my wallet was stolen. Inside this wallet was a XXXX XXXX XXXX ATM Debit Card administered by Fifth Third Bank. I notified the bank the same day. I also froze the card at the bank website. When 3 unauthorized transactions appeared, totalling approximately {$180.00} on XXXX/XXXX/21, I asked the bank to remove them. They gave me a phone number for " disputes ''. I called the number and provided the information related to these transactions and the last legitimate transaction before them. 

Approximately 45 days later I received a letter with the results of the bank investigation. They said they found no merchant misconduct, the transactions will remain charged to my account and this action is final. I never claimed merchant wrongdoing. I SAID THAT MY WALLET WAS STOLEN! 

I would like the bank to return the approximately {$180.00} back to my checking account.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (OH)

I was notified on XX/XX/2017 by CitiCards that there was a fraud alert on my credit card. They sent me an email, a text to my cell phone and called my cell phone via IVR. I answered the cell phone call and after connecting and talking with the agent, I thought everything was taken care of. My card that had been compromised would be canceled and I would get a new card the next day. On XX/XX/2017, I get another call about the fraud alert, I explained to that agent I had already been called about the XXXX in question. My new card did arrive on XX/XX/2017. On XX/XX/2017, I got yet another call about the same fraud alert. I complained saying this was getting obnoxious. I filed a complaint through Citi 's web email. Got a response the next day ( XX/XX/2017 ) that it was being forwarded to the appropriate department to handle. On XX/XX/2017, I got yet ANOTHER call about the same fraud alert. I asked to speak to a supervisor, sounded like the supervisor was going to handle. I fired off another reply to the email stream to let them know their system is still broken and I 'm still getting calls. I got a generic response back that did not address my question - which is why am I continuing to get fraud alert calls when my card has been closed? So I let them know their reply did not address my question. On XX/XX/2017, I received 5 phone calls - 2 on my cell, 2 on my home phone and 1 at work. If they did n't reach me on my cell, 7 minutes later they called my home. A half hour after that, same sequence. I never answered any of them on XX/XX/2017 because there was no point. I fired off another reply to the email stream saying that this was harassment and what are they doing to fix this. I threatened in the email that I was going to cancel my credit card. I decided to call customer service on the back of my credit card. I complained that no one was trying to help me, that I 'm getting XXXX responses through email, that the fraud alert agents say they 're taking care of it yet I 'm still getting calls. Something has to broken in their system. I threatened that I 'm going to cancel my credit card. The agent was able to get through to a fraud alert supervisor. The supervisor told my agent that they would try another way to get the calls to stop vs just reporting the incident. Citi needs to get their act together on this. I ca n't be the only customer experiencing this.
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-09
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)

In ordnance with the Fair Credit Reporting Act XXXX has violated my rights. 
Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-01-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NV)

Had a college card, put some money on it, did n't pay it. Went to the bank directly to settle and they would n't work with me on paying it. I asked if I can pay {$200.00} and they said no they wanted {$600.00} to start it. I only had a {$1000.00} limit and they added $ 200+ fees on top of it. I was willing to pay it off if I was given an opportunity to but they would not work with me at all.
Consumer complaint received 2016-07-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (WA)

I have n't received a single communication regarding this debt, except that is showing in my XXXX XXXX account as In Collections. I have kept my mail forwarding address current and have had the same phone number and email addresses for years. I have never gotten notification of toys amount being due, even before it was sent to collections. I do n't even know when that happened, or what the debt is for, who is from, etc. All I know, from XXXX XXXX, is that {$1000.00} is in collections with " Debt Rec Sol. '' I looked them up online and tried calling twice. Today, I sent a letter AND an email requesting more information about this debt.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I think FCRA 605B says wrong accounts got ta go from credit reports. I don't know what's up, but check the docs for messed-up accounts. They're not right on my credit report, and it's making me upset and sick. Can you help?
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Fraudulent accounts & Inquires reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX Original creditor XXXX  Balance {$1000.00} ance : {$11000.00} XXXX XXXX Balance {$11000.00} XXXX inquiries XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX & Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2020-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Debt was a result of Bank error, which resulted in funds being transferred to the wrong account. Although no fault of my own, I paid the insufficient funds fee and any money owed. I was also told that there would not be any adverse action taken considering the circumstances. I tried opening a new account and was denied due to a XXXX  report filed by Bank of America ... I have tried, on many occasions, to resolve this issue but unsuccessful.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (FL)

On XX/XX/2020 I mailed a letter to EARLY WARNING via USPS requesting a copy of my consumer file. Attached to that letter was a copy of my driver 's license and a utility bill to verify my identity and address. It took EARLY WARNING nearly 30 days in TOTAL to respond with a request for the same information I provided in my original letter. 

According to their letter, I must complete a " special form '' requesting the same information I already provided. Their letter to me was dated XX/XX/XXXX which is nearly 3 weeks after I mailed my request and I did not receive their letter until yesterday XX/XX/XXXX. 

I believe this to be not ONLY a stall tactic but also a CLEAR violation of the Fair Credit Reporting Act. As you are well aware, the law requires that a credit reporting agency complies with a consumer 's request upon providing information that verifies the consumer 's identity. It DOES NOT require that I use a " special form '' or " particular method '' of making that request. 

The FCRA certainly does not give them extra time to comply if their preferred " special form '' is not used although the consumer already provided all information required by law.
Consumer complaint received 2024-02-09
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)

XXXX Credit Bureau is reporting XXXX negative accounts that do not belong to me this has been long reviewed as I was a victim of XXXX data breaches and identity theft and XXXX  card usage. I have sent all the necessary items for removal and they have now added the accounts bac again.
Consumer complaint received 2024-02-13
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.