davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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)

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 XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX  Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX  Balance : {$610.00}.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX  MO, XXXX 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 2023-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX made false statements to XXXX court saying they served me with papers and never did. I did not know about a lawsuit for them and only found out by calling to check on my wife 's case because they did the same thing to her. I guess they have an issue with saying they served someone and did not. I went to court showed waited for the judge, their lawyer to the court was late. I let the court know and lawyer know this was in dispute with company over being a fraud account I was not served lawyer lied I was told they already were getting a default judgement.
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a Capital One Credit Card. I have had it for probably 20 Years or more. I usually log into my account at least once a month to look at charges as well as payments. 
On XXXX the XXXX 2017, after I entered my username and password it took me to a different page asking me to verify 3 things. One was my contact phone number, two was my email address and the third was my annual income. My annual income is private and I did not wish to disclose it. Because I would not disclose my annual income I have been denied access to my account online. I spoke with a rep from Capital One then I spoke to there Supervisor. They were unable to help or grant me access to manage my account. They are not restricting me to use the card. The credit agreement has not changed. They are just restricting me from viewing or have access to manage my account until I give them my Annual Income information.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
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. (FL)

Subject : Request for Immediate Deletion of Accounts for Violation of 15 U.S. Code 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Dear ( Credit Bureau Name ], I hope this letter finds you well. I am writing to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies , by certain creditors listed on my credit report.

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following accounts : XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX am requesting that you immediately delete these accounts from my credit report, in accordance with Section 1681s-2 ( a ) ( 1 ) ( E ) of the FCRA, which states that if a furnisher of information determines that information it provided to a consumer reporting agency is inaccurate, it must promptly notify the agency to correct the information. The continued inclusion of these inaccuracies not only damages my creditworthiness but also infringes upon my rights as a consumer seeking fair and accurate credit reporting.

Please be aware that the FCRA holds credit reporting agencies accountable for ensuring the accuracy and integrity of the information they report. Non compliance with the FCRA may subject your agency to legal consequences, including potential liability for damages, as outlined in Section 616 of the FCRA.

I expect your immediate attention to this matter and request that you delete the aforementioned accounts from my credit report without further delay. I also request that you provide written confirmation of their removal within 30 days, as per Section 1681s-2 ( a ) ( 3 ) of the FCRA.

Thank you for your prompt action in rectifying this violation and upholding the standards set forth by the Fair Credit Reporting Act. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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. (FL)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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 appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-15
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. (FL)

My credit report is showing inaccuracies and inquiries i never authorized.. 

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 Unauthorized Inaccurate inquiries being reported listed below remove all inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

To whomever it may concern at Discover Bank, I am livid to discover that I have not only been recharged for a fraudulent charge that I disputed with proper documentation for XXXXXXXX XXXX that I never consented to begin with, but also TRIPLE CHARGED on XX/XX/22 for an annual subscription that one can easily verify on my XXXX account that I do not even have one subscription to XXXX. This is an outlandish abuse and negligence for consumer due process. Considering that my XXXX account does not even have a XXXXXXXX XXXX subscription, it is quite obvious that I should not have been charged three charges for a service that I do not even have a subscription to at all and only one of the charges be refunded. Considering that this is my second complaint on this matter and attempts have been made to defraud me out of large sums of money, I am seeking legal counsel and keeping this account frozen until this is settled, as I do not feel safe using this card.
Consumer complaint received 2017-09-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX, I found seven accounts reporting inaccurate information on my credit report. On XXXX XXXX, I wrote and mailed a letter to XXXX, XXXX and Trans Union ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (NY)

I contacted Chase to inform them about my identity being stolen and how i have begun to take steps to protect my identity which included filing a identity theft report with the government, putting a freeze on my credit, and starting the process of obtaining a new SSN. Chase however got back to be claiming that this is in fact my debt and that i will be held responsible for it. Not sure what brain power went into that conclusion but that was probably one of the biggest financial mistakes they will ever make as i plan on filing a lawsuit against them if they refuse to acknowledge my identity was stolen and that this is not my debt. Do they not realize when someone steals the right information they can get everything about you? Apparently not because they seem to know everything. They claim its my responsibility because they mailed correspondence to my address which doesnt prove squat that its my debt and they also said something about a phone number which literally anyone can make up on the spot. I had crackheads living at this residence and i have no idea what kind of XXXX they pulled but they are now long gone. I can easily prove my identity was stolen as i have mountains of evidence, can they back that up with a mountain of evidence that its my debt? Nah they are just money hungry and dont care about my identity being stolen and they just want money one way or another well they certainly aint getting it from me as it is not my responsibility.
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY (GA)

On XX/XX/2023, my Daughter was contacted by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX her they needed to contact me about a court matter. 
On XX/XX/2023 I received a phone call saying I was going to be served by a process server for a civil suit for Breach of Contract from GE Financial XXXX for a credit card debt for XXXX. They told me they were an attorneys office and not a debt collection agency. 
I returned the call and was told that I owed approximately XXXX dollars but I could settle for XXXX dollars. If not I would be served for XXXX of XXXX. 
This debt is over XXXX XXXX XXXX. 

I have not been served as of this complaint. 
My daughter was very distraught with the phone call, and this kind of threats and intimidation needs to stop.
Consumer complaint received 2017-02-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

We are trying to do a streamline refi. 
As of XXXX XXXX carrington mortgage took over loan from XXXX XXXX XXXX they first said we did n't make our payments for XXXX, XXXX and XXXX of XXXX. Now they are saying we have not made payments for XXXX, XXXX and XXXX. We went and got bank statements showing we have paid them and on time my credit score went from XXXX down to XXXX. I became XXXX in XXXX and carrington mortgage is ruining our credit. Please help. I can fax all bank statements proving there is no late or missed payments. XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX these payments were taken out of my checking by carrington mortgage. I would take pictures of my bank statements but not sure how to do that like I have stated I can fax them.
Consumer complaint received 2017-09-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC. (NV)

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX Card ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.
Consumer complaint received 2023-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

XXXX has a debt owe I dont own and I dont have a contract with them they sold my information without my knowledge I didnt give them any permission to use or sell my information to any company I would like for it to be removed asap from all my credit reported companies.
Consumer complaint received 2023-07-15
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (MN)

On XX/XX/XXXX  I demanded, verification as to the process used to verify an account showing up from XXXX. To date, the full detailed list of information requested, including any documentation from the original creditor has not been provided to me. As such, under fcra, section 611 ( a ) ( 6 ) and ( 7 ) I am requesting that you comply with the law and delete this item, since you have been unable to provide the required documentation. Please immediately delete this item and provide me with an updated credit report. I have attached proof that you received the method of verification request, as well as a copy of the letter
Consumer complaint received 2023-07-15
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-15
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. (MN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello im no longer with bank of America I closed my account years ago. I had bank with them for years they had changed me XXXX of dollars overdraft fees and I called and explained to them the problem and they never corrected it. So I just close my account they really need to be responsible for taking all that money from their customers thanks!
Consumer complaint received 2023-07-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

30DAY EXPIRED Equifax complaint for lieing now that they need my Identification when I sen 8 times to XXXX XXXX XXXX XXXX GA XXXX. Thats an excuse to leave all these 50 inquiry that are not mine they are putting me in a hardship situation where I cant even buy a car to get to work I'm a XXXX because not one XXXX will even consider this is against the LAW its past the 30 DAYS stop making excuses take this 50 inquiry or more OFFFFFF