davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
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. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-11-21
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I purchase paint at XXXX and the quality of the merchandise color doesn't match the surface. I called a started a dispute, and was told that it was goanna be resolved, however is no action from the card company. I sent a third request as the previous disputes has been closed and no reason was given for such. I am disputing {$53.00}.
Consumer complaint received 2023-07-21
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. (MO)

Dear Equifax, XXXX XXXX, I hope this letter finds you well. I am writing to request the deletion of certain hard inquiries from my credit report. I recently obtained a copy of my credit report, and upon careful review, I noticed several hard inquiries that I believe should be removed. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I understand that hard inquiries are generated when a potential lender or creditor requests access to my credit report as part of their evaluation process. However, I would like to bring your attention to the fact that these specific inquiries were not authorized by me, nor did I have any association or contact with the companies involved. 

As a diligent consumer, I have always been proactive in managing my credit and ensuring its accuracy. I take pride in maintaining a strong credit history and strive to uphold a favorable credit standing. The presence of these unauthorized hard inquiries not only concerns me but also has the potential to impact my creditworthiness negatively. 

I kindly request your assistance in investigating these inquiries and taking the necessary steps to have them removed from my credit report. I have enclosed a copy of my credit report highlighting the specific inquiries in question for your convenience. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports. I believe these inquiries fall under that category, and I kindly ask for your cooperation in rectifying this matter promptly. 

If necessary, I am willing to provide any additional information or documentation that may be required to facilitate the removal of these inquiries. I appreciate your attention to this matter. 

Please respond to this request within the timeframe specified by law, which is typically 3 business days. I trust that you will handle this matter with the utmost professionalism and expediency. 

Thank you for your time and attention. I look forward to a favorable resolution to this issue.
Consumer complaint received 2023-07-21
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00}.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-07-21
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My name is XXXX XXXX XXXX ( AKA XXXX XXXX XXXX ). On XX/XX/XXXX I uploaded the necessary documents to Capital One as instructed to have my last name changed from XXXX to XXXX as I recently got married. A few days after I started getting emails from Capital One addressed to XXXX, I then used my credit card, and my transactions are listed as XXXX XXXX. Basically, a simple name change has turned my bank and credit card accounts into a disaster as my entire name has been changed to XXXX XXXX!!!!! Where do you get a last name change from XXXX to XXXX translated to XXXX XXXX? I called customer service for assistance and was basically advised they were submitting a request to have this rectified and to allow XXXX days, nothing is being rectified and I live XXXX hours away from the nearest branch. A simple mistake such as this can have detrimental effects on my credit, accounts, as well as my identity and your Customer Service teams have no urgency to get it rectified. It's been a week and still has not been rectified. I have spent hours on the phone being passed off from one agent to another.
Consumer complaint received 2024-10-30
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt 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 victim of human trafficking of Debt Bondage and would like for all the listed accounts to be blocked and deleted. Please delete the following accounts : XXXX XXXXXXXX ( Account # XXXX ) Balance {$230.00}, XXXX XXXX  ( Account # XXXX ) Balance {$0.00}, XXXX XXXX ( Account XXXX XXXX ) Balance {$120.00}, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ) Balance {$950.00}, XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX Balance {$15000.00}. Please delete the following inquiries XXXX XXXX, XXXX, XXXX XXXX  XXXX, & XXXX XXXX. Please delete the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX
Consumer complaint received 2024-10-30
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. (OH)

I am a victim of identity theft resulting from the XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX. The unauthorized use of my personal information and the creation of fraudulent accounts have caused severe damage.

Pursuant to Section 605B and Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of the fraudulent accounts, inquiries, addresses, and employer information listed below.

Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), credit reporting agencies ( CRAs ) must block the reporting of fraudulent information upon receiving an identity theft report and a request for blocking. No further documentation is required once the consumer submits this affidavit and the identity theft report.

\FCRA Section 611 ( a ) requires CRAs to conduct a reasonable investigation upon dispute and remove or correct inaccurate or unverifiable information. Under FCRA Section 605 ( c ) ( Debt XXXX  Repair Act ), no adverse information related to human trafficking may appear on my credit report.
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

My wife and I acquired a timeshare with XXXX XXXX XXXX which was paid regularly each month since XXXX when the timeshare was acquired. 
Although my family and I were not able to use the timeshare throughout the COVID 19 period since XXXX, I continued to pay my installments through my bank as promised. Between XXXX and XX/XX/XXXX, to the pandemic and loss of family members, I made some calls to XXXX XXXX XXXX during which I had a conversation with XXXX agents, letting the know that my entire family was infected with XXXX and to defer payment until I was able resume payment. XXXX recorded all my calls. My understanding during was that XXXX would be supportive and freeze my payment until I was able to make payments. XXXX reported my account to the credit reporting agency as late. I have made multiple calls to XXXX were they transfer me from one answering agent to another, while refusing to bring the issue to their leadership team for discussion in order to remove the late charges from my record. This is now a serious matter affecting the relocation of my family to a state a home purchase loan approval, despite the fact that I am about to sell my home and pay off the balance I owe to XXXX XXXX XXXX. I want Equifax to review my credit history and evaluate my payments with XXXX since XXXX, and my late payments only occurred from XX/XX/XXXX, they should remove these from my records.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Hi my name is XXXX XXXX XXXX I had a bank account with Bank of America and on XX/XX/2023 someone deposited a XXXX check in my account thru the mobile app and this bank has been giving me the run around I called the bank and nothing is being done I have a fraud claim put in and they keep telling me it takes XXXX too XXXX  days and I'm on a government income I need my funds too be refunded too me because I have too Take care of my needs I have a government check in the bank for XXXX and XXXX for XXXX dollars plus a work check for XXXX so I would like something too be done because it's stressful and all they doing is giving me the run around I don't have the time or patience for this please help me thanks XXXX I would like this bank too close theses accounts and refund me my money
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I reached out to XXXX in XXXX of 2023 to inform them I was suffering from financial hardship and I needed an extension on my mortgage payment. I was told I needed to fill out an application and it would take XXXX business days for them to process the request to determine IF I was eligible for assistance. Consequently XXXX reported a 30 day late which is unfair considering I reached out to them and asked for help. All calls are recorded for quality assurance and training purposes. I defer and request they pull the calls for review. I was transparent and asked for help to avoid the 30 day late and since I have paid all of my payments within the grace period provided. The process should not take XXXX business days to approve when clients need assistance right away.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX reporting that I have missed XXXX payments since XXXX, and have a {$200.00} balance. I have called and verify that I havent missed a payment and am in good standing, and was told that I would have to contact each of the credit individually to fix this error in reporting.
Consumer complaint received 2023-07-21
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)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Subject : Request to Update Credit Report Charge-Off, Payment Verification, and Inquiry Removal I am writing to formally dispute inaccurate information in my credit report regarding the charge-off on my XXXX XXXX  and the payment history for my mortgage. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to request and receive documentation that substantiates the accuracy of information reported on my credit file. 

XXXX XXXX  Charge-Off : Account Number : XXXX Charged-Off Amount : Paid in Full via Bill of Exchange. 
I am disputing this charge-off and request that you provide me with the original documentation that verifies the validity of this account, including payment history. I have attached evidence of payments made towards this account that may not be reflected in your records. 

Mortgage Account : Account Number : XXXX Current Payment Status : Sent Payoff Furthermore, I request that my payment history for this mortgage account be accurately reflected on my credit report. Consistent and timely payments have been made, and it is essential that this information is correctly displayed. 

Removal of Inquiries : I also request the removal of any inquiries related to non-holding accounts from my credit report. These inquiries are impacting my credit score negatively and should not be included. 

In accordance with my rights under the FCRA, I expect a thorough investigation into these matters, as well as an update to my credit report reflecting accurate information and the removal of the specified inquiries. Please provide confirmation of the receipt of this letter and keep me informed about the progress of my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attorney in fact for Estate of XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX  its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-10-26
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] XXXX Account number : XXXX ] Equifax : XXXX XXXX, XXXX ] XXXX Account number : XXXX ]
Consumer complaint received 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (VA)

Took out a payday loan in XXXX or XXXX of 2019 with Advance America. It was for XXXX dollars or something around there. Before I can get into the store the follow week they charge my bank account by running a check which XXXX covered and I went negative giving me overdraft fees. We'll told them to not do it again I'll be in next weem to repay the loan I had to retake out the loan and add extra money with it to cover XXXX overdraft fees. Next week I come in pay off the loan plus interest little more than {$400.00}. We'll even though I made the payment and paid it off they o erdraft my XXXX account again over {$400.00} and I'm negative close to {$500.00} in my XXXX account because overdraft fees. The company pulled out of XXXX XXXX, Virginia and I tried to get my almost {$500.00} they stoled buy I couldn't as they no longer did business in Virginia. I couldn't paid the XXXX overdraft it went on my credit. I was not able to open a bank account sinc its on my check credit history too I couldn't pay. It cost me around {$1800.00} in total time and money along with damages Advance America done with this little XXXX dollar payday loan I paid them back with interest yet they take more closing my XXXX account and hurting me still till this day.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-10-30
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX