davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX REMAINING ITEMS TO DISPUTE : 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 XXXXXX/XX/year>
Consumer complaint received 2024-11-02
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. (GA)

In the accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX5 USC 1681 section 602 A. States I have the right to privacy.15 USC 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish my account without my written instructions 15 USC 1681 c ( asa ) ( 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 USC 1682s-2 ( XXXX  ) A person shall no ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has to reasonable to believe that thr information is in accurate
Consumer complaint received 2024-10-27
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. (PA)

I discovered this morning that my credit report contains unauthorized inquiries, and I am at a loss as to why theyre there. I reviewed my report as I usually do, only to find unexpected discrepancies. I even refreshed the browser, hoping it was just a glitch, but the unauthorized entries remained. Im extremely frustrated and need my documents reviewed thoroughly to ensure this never happens again.
Consumer complaint received 2024-10-28
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)

My credit report has mistakes that conflict with 15 USC 16c-2. I never authorized the listed inquiries, and theyre affecting my credit. Kindly remove all unauthorized hard inquiries. Thanks.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I received a phone call from a company claiming to be XXXX. I was advised that someone had tried to hack into my XXXX computer and that I needed to update my XXXX contract. I was told it would be {$200.00} and that I would get a discount with a Citi credit card ( Citi may be in on this ). I received an email indicating that I had been in contact with XXXX. I gave XXXX my CitiCostco credit card number for one transaction. The next day, I realized this was a fraud and I called Citi. I was advised that only one transaction had gone through although several other had been attempted but not authorized. My card was terminated that same, next day, and a new card was issued. I later got a statement saying I owed approximately {$700.00} for charges including three additional charges for the day I called to report the fraud. I called Citi and was told I did not have to pay the fraudulent charges. I later got a letter from Citi ( no appeal process ) stating I " participated '' in the scam so therefore I am liable. I wrote Citi on XX/XX/2019 in a certified letter stating the situation. I never received a certification proof but the post office advised me that Citi received my letter. After hours of calling Citi, I was advised that an investigator had been trying to call me and that I still owed the {$700.00}. I have not heard at all from Citi except when I have called and spent hours on the phone. They continue to bill me and even sent me another credit card!! 

These are fraudulent charges in which absolutely no service or consideration was provided to me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to request the blocking and deletion of the accounts and inquiries listed below. As a victim of a recent data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit report from any fraudulent activity resulting from this incident. 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX - XXXXXXXXXXXXX**** - XX/XX/XXXX - {$4300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX  - XXXX - XX/XX/XXXX - {$17000.00} Inquiries to be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-10-18
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. (GA)

There is 31 inquiries on my credit report where there was no service rendered or contracts made. 
I am asking that they be removed because they are hurting my credit score for a service I never received. 
Under the federal trade Consumer Bill of Rights President John F. Kennedy introduced this concept in 1962 to promote four basic rights for consumers : The right to safety The right to be informed The right to choose The right to be heard Federal Trade Commission Act This act gives the Federal Trade Commission the power to : Prevent unfair or deceptive practices Seek relief for consumers who are harmed Establish rules to prevent unfair or deceptive
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MI)

My XXXX was hacked 3-4 weeks ago ( approx XXXX XX/XX/year> ). This led to a fraudulent purchase which my bank ( XXXX XXXX. XXXX XXXX ) is currently disputing. Ive contacted XXXX several times via phone calls and through emailing their customer pleading with them to cancel my account- they still havent closed my account e en though they said they did. Now, I was informed by XXXX XXXX credit that someone requested a credit card under my name via XXXX ( on XX/XX/XXXX ). Today is XXXX XXXX. I dont know where else to go to stop this - can you help?
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (DC)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-11-02
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 a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

I am formally request the blocking and permanent deletion of all accounts associated with my personal information due to the recent data breach. 

Also, I never lived at the address associated with these accounts in New Jersey. I have lived at XXXX XXXX XXXX, XXXX TX XXXX since XXXX. I attached my lease from XXXX to Now. 

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-01
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: CLGF Holdco 1, LLC (LA)

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : 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 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OR)

My US Bank account said I had over {$500.00} in it. And so I was spending accordingly. Then come to find out their app was incorrectly displaying more in my account than they're actually was and they ended up over drawing my account over XXXX XXXX dollars when the decided to correct it .... I don't feel like I should have to pay for their error. I don't overdraw my account. That's not something that happens. But now i'm negative... They're explanating as that they sent a notice. Why wouldn't they just simply deactivate the app so that we wouldn't be able to access it and see the incorrect amount in our bank accounts? Now I have to pay for their technical error? That doesn't seem fair.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

I checked my statement today with Synchrony Bank regarding my credit card through Mattress Firm. I noticed my credit limit was lowered from {$1000.00} to {$560.00} ( not sure how this amount was derived ). I have always met my minimum payment or paid more than the minimum on time since establishing credit with this company. The two major implications by lowering my available credit is : 1. By lowering my credit limit, my credit utilization for this account appear that I am utilizing 100 % instead of 50 % which negatively impacts my credit score.

2. By selecting a credit limit if {$560.00} ( amount seems odd as it is not standard ) once the company applies the forbear-ed interest that was part of a promotional offering brings my account balance over the new credit limit so the company can then charge fees for going over.

I could see the rationale of lowering someone's credit limit if they were not holding up their obligations through making on time payments of the minimum or more, but this is not the case. It appears the credit limit was lowered intentionally by negatively affecting my credit score and future applied fees. 

XXXX XXXX
Consumer complaint received 2024-10-25
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 XXXX  Date opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX  XXXX Date XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report.
Consumer complaint received 2024-11-02
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. (VA)

This letter serves as a formal and urgent demand for the removal of an auto charge off/repo account appearing on my credit report under account number XXXX, as it is in violation of federal law and lacks sufficient proof of verification. Despite multiple requests for evidence, your failure to provide adequate documentation demonstrating the methods taken to verify the legitimacy of this account constitutes a breach of my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), the credit reporting agency is obligated to conduct a reasonable investigation upon being notified of a dispute. This includes providing documentation that verifies the accuracy of the reported information. 
Your failure to comply with this law, by failing to supply proper documentation within the prescribed timeline, is a serious infraction. As such, the continued reporting of this account is unwarranted and harmful to my financial standing The absence of such documentation confirms that this auto charge off/repo account is unverifiable, inaccurate, and in violation of my rights. Therefore, I demand immediate removal of this entry from my credit report. Failure to comply within 15 days from the receipt of this letter will result in further action, including but not limited to formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings. 
To expedite the resolution of this matter, please respond in writing confirming the removal of the erroneous entry from my credit report. 
I expect prompt action regarding this demand and look forward to your timely confirmation please and thank you.
Consumer complaint received 2024-10-28
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. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

My loans were under the REPAYE plan and were under the recent administrative forbearance. Although this was supposed to be XXXX  interest during the time period, and 0 % is listed on the loans info, my loans keep accruing unpaid interest which was rolled over into the principal.
Consumer complaint received 2024-10-29
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$19000.00}
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (ME)

Some of the dates may be off by a few days because I didn't start writing things down until XXXX, but the basics are that Barclay was sent an overpayment of {$15000.00} XXXX XX/XX/2019 from my bank 's billpay service ( XXXX, it was sent as an ACH ). I immediately called Barclay and was told I need to wait until they process it. On XXXX XXXX, I confirmed that they had a {$15000.00} credit on the account and requested return of that money through their online account. It said 7-10 business days. I called 10-12 business days later ( probably XXXX XXXX ) and was told a check was sent. I told them I had not recieved it, they could not tell me when and where it was sent and didn't have any way of tracking it. I called several times over the next 2 weeks and was told the same thing. I called just before I left on a 3-4 week vacation ( probably XXXX or XXXX XXXX and asked them to send a new check. When I returned late XXXX ( probably XXXX ) there was no check. I called and they told me a check was sent out XXXX XXXX, but couldn't tell me where it was sent to and still were unable to track it. I called several times requesting a new check. It is XXXX XXXX and I am no closer to a check. I just had a conference with the people who run the billpay service, XXXX, a Barclay representative, myself and my wife. They are still unable to tell me when I can expect a check. Their plan is to send it the same way they claim they sent it last time, without a tracking plan, so if it doesn't arrive again, I am back where I started. At this point it seems like it could be called grand theft or wire fraud. I am unable to upload my wife 's file as I cancelled the account due to their poor service, but I copied my messages to them thru my wyndham account.