davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (AZ)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2018-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN has violated the FCRA by filing a collection notice on my credit report without notice. The debt is for a XXXX account. I have never had a XXXX account. XXXX claims to have done an investigation but they would have had evidence of the XXXX credit check if I had ever had an account. So they didn't actually investigate at all outside of asking the collection company if I owed the money. How am I supposed to prove to them I've never had a XXXX account. I don't have documentation of something I've never had
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a 30 day late payment report on XXXX XXXX setup and automatic payment and they make a mistake and never charge my account.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.
Consumer complaint received 2022-04-05
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. (TN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX 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 2018-11-30
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 a 30 day late payment report on XXXX XXXX.I setup and automatic payment and they make a mistake and never charge my account.
Consumer complaint received 2024-10-17
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. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/18 I have been traveling via RV from state to state ( TX-MD, DE and then back South to Fla. ) I have used my Capital 1 CC in the past with never a problem. Yesterday XX/XX/18 while getting fuel for the RV ... the purchase was " declined ''. I had just purchased a sandwich using my CC but the gas had to be purchased at another register. When I did so, it was declined! Not only was I ashamed but I was furious! I have been a loyal Capital One customer for several years and did not deserve this blatant act of disrespect! It is documented on their website that Credit cards are covered during travels because of the chip. I responded to their text to verify my use but apparently that was not effective. I called 4 times trying to get my card unlocked but the customer reps. kept transferring me to others that couldn't help me either so they would in turn, transfer me again. I am disgusted with Cap One 's customer service which is " POOR '' to say the least! I '' WILL NO LONGER '' be using my Capital One card for future transactions but they should already know that since they put a restricted purchase use on my card.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

I had an account at Regions Bank, Debit Card Number XXXX XXXX XXXX XXXX. There were numerous charges on my card/account from XXXX. I do not own any XXXX devices. I informed Regions Bank that the charges were fraudulent. Regions changed my debit card and the fraudulent charges stopped. However, Regions refused to credit me for the fraudulent charges. I went into the branch ( XXXX XXXX, XXXX, FL ) with my husband to request that the fraudulent charges be credited. The branch manager XXXX XXXX XXXX and employees refused to credit my account or otherwise assist me and threatened to call the police when I complained about their bad service. I closed the account but Regions still owes me the money for the fraudulent charges.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunlight Financial LLC (PA)

I've made several attempts since XX/XX/XXXX requesting that CRB/Sunlight/Launch update the trade line with the credit bureaus. Initially, they reported the trade line twice. As per my request, they had one removed a couple months later. However, the remaining trade line has not been updated, despite many requests to do so, since XX/XX/XXXX thus inflating the outstanding loan balance. Each time I bring it to their attention I am told that it may take up to 60 days. It is nearly 120 days since I was last informed of this without any update. I am planning to take out a HELOC in the upcoming months and this is having an adverse effect on my credit data.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX is trying to collect on debt not owed. My consumer report showing this company XXXX XXXX XXXX reporting write-off, profit, bad debt, loss, which XXXX consumer XXXX got a tax write off, the company owes me a XXXX. I did not receive a XXXX. I can report to the IRS suspicious of fraud, the account # XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S code 1635 15 U.S Code 1681e ( b ) This account should not bylaw be on my consumer report.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (NJ)

I have not signed nor consent any other contract with my student loans besides XXXX  in XXXX  When I attended XXXX XXXX. Theyre on after they transferred it over to a company called XXXX Dept of ED and now some new company thats called EDfinancial has removed XXXX And now they are taking over these are all people taking my contract without my consent therefore XXXX is closed my contract is 100 % closed. My two Federal loan accounts should be completely closed to my demand what they are doing is completely illegal and without my consent. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Consumer complaint received 2018-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

XXXX store credit card. I'm being contacted by XXXX XXXX direct instead of XXXX themselves. They never charged my credit card for my membership so I'm not a member. I applied for a direct XXXX XXXX credit card but was denied. They're threatening to close my card because I don't have a XXXX membership. My minimum keeps changing. As of today I haven't received my bill statement.
Consumer complaint received 2018-11-30
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. (MO)

I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (NY)

In XXXX and XXXX I opened 2 Installment Loans with XXXX with a credit limit of XXXX and XXXX dollars, respectively. When I applied for the second line of credit, it was not disclosed to me that payments would be XXXX dollars a month. I repeatedly complained to Upgrade that this amount was too high for me to pay, and I was not informed beforehand that I would need to pay XXXX dollars on the XXXX balance. In XXXX of XXXX, I submitted a complaint through this portal in regards to my payment amounts, and this company 's failure to deliver proper TIL Statements, prior to a new loan being given. I would like to inform the CFPB that, after submitting a complaint to this agency in good faith, this company then retaliated against me by conducting frequent " reviews '' on my account. They lowered my credit limit from XXXX to XXXX and XXXX to XXXX without any substantial changes to my credit profile. in addition, they changed the way they were reporting my accounts to show they were being reported as " credit cards : and not " installment loans '' which they claim these financial products are. This action caused my credit score to drop, as I am being reported as " over limit ''. They then refused to correct said information, and every call I made to them led to further account " reviews '' which always would lead to " Adverse Actions ''. Further they have continued to restrict usage on my accounts and I am never able to use them because of frequent random blocks they put on both my accounts.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXXXXX XXXX bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Balance : {$950.00}
Consumer complaint received 2022-06-04
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. (FL)

The Credit Bureau equifax stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2024-09-09
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. (OH)

I received my credit report from Equifax and XXXX and noticed a charged-off account by XXXX account number XXXX I don't recognize this lender or account please remove the account immediately. by the provisions of the Fair Credit Reporting Act. I demand that the accounts and inquiries be removed. I understand under 15 USC sec 1681i ( a ) you must complete a reinvestigation with notice of this dispute. i also understand under 15 USC sec 1681c2 ( a ) a crediting reporting agency shall and must block and remove any information from my credit report that's considered fraud or identity theft. Reporting information with knowledge of error is against my rights. 15 USC 1681s-2 ( a ) 1B. This account was proven in XXXX municipal court that this account doesn't belong to me please remove this account