davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance XXXX, XXXXXXXX XXXX XXXX  balance {$0.00}
Consumer complaint received 2024-08-26
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)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-10-22
Product: Credit 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 (NY)

On XX/XX/XXXX, I was a victim of predatory illegal towing practices in XXXX XXXX XXXXXXXX. They violated multiple laws such as refusing to take credit card and asking for cash only ( they only accepted my capital one card after calling the police ), attempting to take my car outside of XXXXXXXX XXXX XXXXXXXX limits ( towing cars outside XXXX is illegal ), and refusing to give me an invoice explaining the charges. I did not receive a police report at the time as the policemen told me to go through the department of consumer affairs. I let capital one know all of this and disputed the charge instantly. I have already filed a complaint through the XXXX dept. of consumer affairs and they are currently investigating. Capital one initially closed my dispute, however it got reopened and I submitted a letter explaining the situation, along with letting them know about the pending investigation by XXXX XXXX. A few days ago I was informed my dispute case was closed and I am being charged the full amount. I was told I did not provide information as they requested ( even though I uploaded a letter as they asked through their document portal that detailed the pending XXXX investigation ). I have no recourse now through capital one and they refuse to reopen my case. I'm a XXXX XXXX that barely gets by on loans anyways and can not afford a fraudulent XXXX dollar charge that is being investigated by the city. I've been a capital one customer with XXXX different credit cards and a savings account for more than XXXX  years now however I will be switching banks now because this is shameful.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX 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 2024-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have reported fraudulent activities on my credit reports and see that a fraudulent account was opened with capital one bank and had a low available balance when opened without my knowledge in XX/XX/year> and in XX/XX/year> the fraudulent account was closed and has a negative balance of {$1000.00} I repeatedly called after receiving multiple alerts from the credit monitoring service I was using at the time I requested several investigations of identity theft and fraud I have submitted police reports that I filed identity theft I have offered to send in my drivers license a copy of my signature and also a photo validating that I never opened any accounts
Consumer complaint received 2024-10-16
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-26
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXXXX
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. (MA)

This credit reporting company is stating that I'm late for three of my accounts which are incorrect. I have sent four documents on four separate occasions to rectify this issue. This reporting agency is in violation of FCRA. I have attached the documents to this complaint to support my claim.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MS)

I received a email alert from Synchrony Bank notifying me of a closed account ( That was in good standing/current ), without good cause, ( ending in XXXX ). Payments have never been late, and just out of the blue they closed the account. The reason ( s ) they gave is ridiculous to say the least ( see attachments ). I received the letter via email XX/XX/year>. I was under the impression in America ( Under the fair credit use act ), that if payments were made on time every month the account was current. 

Also, Synchrony Bank has decreased other credit lines and, or closed other accounts of without good cause, all were current and paid on time as according to the terms of the credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes " accuracy '', " fairness '', and the p
rivacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I am complaining about the accounts I have with synchrony Bank ... and I have/ had over XXXX ..... 

Credit card issuers can close account if : '' If '' you violated the terms of your card agreement in some fashion, that could also cause the issuer to shut down your account. Another cause could be that you havent used your credit card in a while. Card issuers would then not be making any money off you and would prefer to extend credit to someone else who makes them money. 

Issuers also tend to review your financial situation from time to time. They could look into your creditworthiness and decide whether to continue doing business with you. They could consider input such as the number of late payments on your account, if there are any liens against you, how many new credit accounts you have and if you have overextended yourself. If they find your financial situation has deteriorated since they first approved you for their card, they could decide to cancel it. I have not violated any term of my agreement with the card issuer, thus the account should not had been closed without good cause. MY Credit profile is the same today as it was when they " pre-approved '' me for the Sams Club Elite Master Card card over a year ago. I think it is a retaliatory action for filing online complaints about Synchrony Bank on XXXX XXXX, XXXX and other online business review venues about the poor quality of service... MY payment record with Synchrony Bank has been perfect through the years ... .OH well, just another bad review coming up... ..i Have included a copy of statement which shows account was current when closed " without good cause '' ...
Consumer complaint received 2024-10-16
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. (VA)

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 2024-10-17
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. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX XXXX XXXX, and Equifax , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : Equifax : XX/XX/XXXX. Matches XXXX  but not XXXX. 
High Credit : Equifax : {$5300.00}. Different from both XXXX {$6700.00} and XXXX {$0.00}. 
Credit Limit : Equifax : {$0.00}. Matches XXXX, but not XXXX {$4700.00}. 
Last Reported : Equifax : XX/XX/XXXX Different from XXXX and XXXX, both of which report XX/XX/XXXX. 
Comments : Equifax : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and XXXX Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : Equifax : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
Date of Last Payment : Equifax : XX/XX/XXXX. Earlier than both XXXX and XXXX, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This account has inaccurate reporting. The company has failed to properly investigate. lots of fraudulent/Marketing strategies happened. Attempting to charge me with amount that does not belong to me. If not resolved, I will sue for damages.
Consumer complaint received 2024-08-25
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. (NJ)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.
Consumer complaint received 2024-10-17
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. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX , XXXX, and Equifax , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : Equifax : XX/XX/XXXX. Matches XXXX  but not XXXX. 
High Credit : Equifax : {$5300.00}. Different from both XXXX {$6700.00} and XXXX {$0.00}. 
Credit Limit : Equifax : {$0.00}. Matches XXXX, but not XXXX {$4700.00}. 
Last Reported : Equifax : XX/XX/XXXX Different from XXXX and XXXX, both of which report XX/XX/XXXX. 
Comments : Equifax : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and XXXX Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : Equifax : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
Date of Last Payment : Equifax : XX/XX/XXXX. Earlier than both XXXX and XXXX, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I decided to take advantage of balance transfer promotion with capital one, no interest for 12 month however 4 % transfer fee will be applied ( capital one does not charge balance transfer fee on regular balance transfer ) I completed the process on XX/XX/year> transferred {$10000.00} and paid {$300.00} in fees. On this months statement I noticed {$250.00} interest charged and decided to call and get clarification. I was advised that account did not qualified for the balance transfer offer so the interest was restored back. When I asked them why was I charged {$300.00} balance transfer fee ( classified on my statement as promotional rate balance transfer fee ) which capital one does not charge on balance transfer that are not part of the promotional rate, I was declined the refund. Capital one has misled me and unfairly charged me {$300.00} transfer and {$250.00} interest charges without any advanced notice letting me know they will not be honoring their balance transfer offer. If I was aware of this I would have not done the transfer.
Consumer complaint received 2024-10-17
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. (OH)

Dear Sir/Madam, I am writing to formally dispute several accounts and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. I am providing the following details regarding the disputed account In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts # XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.