davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

Subject : Demand for Immediate Removal of Fraudulent Accounts and Cessation of Related Activities To Whom It May Concern, I am writing to formally demand the immediate removal of fraudulent accounts and inquiries that have been identified on my credit reports. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently become aware of two fraudulent accounts listed on my consumer credit reports from XXXX, Equifax, and XXXX. These accounts are not authorized by me and are the result of identity theft. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Date Opened XX/XX/XXXX, Account Additionally, the following inquiries have been made on my report without my consent and are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries have not only damaged my credit rating but have also caused significant distress. 

I previously submitted an FTC Identity Theft Affidavit regarding these matters. Under the FCRA, I have the right to dispute items on my credit report and to expect a timely response. Therefore, I am demanding the removal of these fraudulent accounts and inquiries from my credit reports within four days from the receipt of this letter. Additionally, I request that all related collection activities cease immediately. 

Please confirm in writing that these actions have been taken and provide me with updated copies of my credit reports reflecting these changes. 

If these matters are not resolved promptly, I am prepared to take further action as necessary to protect my credit reputation. 

Thank you for your immediate attention to this matter. 

Sincerely,
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. (NV)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late payments Ive attached the copy of my report to this complaint on the following dates ( XX/XX/24 ) Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

SENT SEVERAL DISPUTE LETTERS, REGARDING AN ACCOUNT THAT WAS OPENED UNDER MY NAME/INFORMATION, BUT THERE WAS NO RESPONSE, AGAIN MY I SUFFERED FROM IDENTITY THEFT, AND THERE WAS NO RESPONSE WITHIN 45 DAY I DID NOT RECEIVE ORIGINAL DOCUMENTS REGARDING THAT ACCOUNT, THAT CAPITAL ONE ACCOUNT IS STILL ON MY REPORT
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

All forgoing information has been solidified and captured on the record for review. 

This issue involves Kohl 's charge account services. On multiple occasions, including the most recent instance, I made my payment on the due date as required. However, Kohl 's system has failed to process the payment until the following day, which resulted in an additional minimum payment charge being applied to my account. This issue has occurred several times and although late fees have been removed after I contacted customer serivce, the additional minimum payment remain. 

When I reached out to Kohl 's customer service on XX/XX/year> to address this matter, the representative stated that he did not understand why the system was calculating the additional minimum payment but confirmed that it did, despite my payments being made on time. He did not understand why the system captured the payment, logging it in as a late payment, but confirmed that the system automatically reduced the late fee. He mentioned that he could transfer me to a manager but doubted that any progress would be made considering the configuration of the system. The response is unacceptable. To that end, it does not reflect fair treatment of a consumer. 

I believe Kohl 's action directly violate the Truth in Lending Act ( TILA ) P and other relevant consumer protection regulations that are designed to ensure that credit card companies charge consumers fairly and transparently. TILA requires accurate and timely crediting of payments and prohibits unjust or misleading billing practices. The improper assessment of an additional minimum payment, despite the payment being made on time, is clearly a violation of these standards.

As a result of these repeated issues and the company 's refusal to rectify the problem, I am requesting the following : 1. Immediate adjustment of the charges to reflect the correct amount owed based on timely payments.

2. Permanent removal of all interest charges from my account due to this ongoing violation.

3. Assurance that this improper billing practice will cease, and that the system errors responsible will be corrected. No other consumer should have to endure this.

To resolve this issue, I am willing to refrain from using my Kohl 's charge account until the balance is paid off, provided the interest is permanently removed as a fair resolution for this violation of my consumer rights. 

I appreciate your attention to this matter and look forward to a proper and prompt resolution. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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 never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. I am filing this report in hopes to get these accounts taken off my credit.
Consumer complaint received 2024-10-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Alorica Inc. (TX)

XXXX went out of business and sent the debts to SST. I now " owe '' SST {$5600.00} and have to continue paying my credit card as well, which XXXX was paying for me. I don't understand how I owe {$5600.00} when SST is no longer handling my credit card debt. There is also no itemized statement available. When trying to review account information from XXXX I am not able due to it being closed down. SST doesn't have any information available. It appears I owe them XXXX XXXX for nothing. The interest rate on the loan is also super high and not what was agreed to with XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax Dispute Information Center Dear : Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX XXXX XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

XXXX. XXXX  - account XXXX XXXX  - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


XXXX. XXXX XXXX - Account XXXX XXXX  - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NJ)

This complaints goes back to XX/XX/2019 when I disputed a charge of {$1500.00} made by XXXX XXXX XXXX in XXXX XXXX, New Jersey for their incomplete work done on the XXXX XXXX XXXX  in my XXXX. My credit card company refused to honor it claiming I needed third party verification even though my car was returned the second time. I have been in touch with their corporate office who claimed their workmanship and repairs are guaranteed for 24 months. In any event they charged back the {$1500.00} which is still in dispute in the court. In the interim this card company has been unconscienable. They not only have ruin my outstanding credit record of over 50 years, they are taking the money that I sent them for my initial purchases which amounted to {$330.00}. Instead of giving me credit for these payment, for the last 12 months they have been charging me late fees of {$39.00}. My account due as of XX/XX/XXXX, went from {$1800.00} to {$2200.00}. When I realized what they were doing, I stopped making payments.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I reviewed my credit report and discovered inconsistencies and inaccurate late payment reports on my accounts with XXXX  XXXX, XXXX XXXX, and XXXX XXXX ( XXXX XXXX  ) across the three major credit bureaus : XXXX, XXXX, and Equifax. These inaccuracies have negatively impacted my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). I have previously requested these corrections in other manners to no avail. 

The specific issues are as follows : Inconsistent Reporting of Late Payments : My XXXX  XXXX account shows 90, 60, and 30-day late payments on XXXX. This discrepancy is a violation of FCRA 623, which requires accurate and uniform reporting across all credit bureaus. Thus should be removed Failure to Update Charge-off Status : My XXXX XXXX  and XXXX XXXX ( XXXX XXXX  ) accounts were charged off, but the status has not been updated correctly. If the accounts have been settled or paid, the credit bureaus are required to reflect that, but this has not occurred. This is in violation of FCRA 623, which mandates creditors to report up-to-date and accurate information. 

Inaccurate or Unverified Late Payments : The late payments reported on my XXXX XXXX account are inaccurate, as I had previously disputed the charge-off and related late payments. The credit bureaus have not properly verified this information, violating FCRA 611, which gives consumers the right to dispute inaccurate information and mandates credit bureaus to verify or remove disputed information within 30 days. 

Failure to Resolve Dispute : My XXXX XXXX ( XXXX XXXX  ) account was marked as " dispute resolved, customer disagrees, '' but the credit report still reflects a charge-off with no proper resolution. This indicates that the dispute was not handled fairly, as required by FCRA 611. 

Multiple Hard Inquiries : My XXXX report shows multiple hard inquiries within a short period. These inquiries were unauthorized, this would be a violation of FCRA 604, which restricts the permissible reasons for hard inquiries.
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. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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. (CA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was disputing several inaccuracies on my credit report. THE INFORMATION HAS NOT BEEN PROPERLY VERIFIED AND INVESTIGATED OVER THE COURSE OF A YEAR. IF THEY WOULD HAVE DID AN INVESTIGATION PROPERLY, THEY WOULD HAVE SEEN THE XXXX ACCOUNTS ARE INACCURATE IN REPORTING ON CERTAIN DATES ACCROSS THE XXXX BUREAUS. THIS IS AN FCRA VIOLATION AND WILL BE DELETED FROM MY CONSUMER REPORT NOW.
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. (FL)

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, Equifax, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-10-15
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-29
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. (GA)

Company is in violation of 5 U.S. Code 1681, also known as the Fair Credit Reporting Act, contains congressional findings and a statement of purpose for credit reporting agencies.

The findings and statement of purpose include : Confidentiality : Information must be kept confidential.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.