davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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)

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Charge off still reporting ongoing payment history and balance, Date of Last Activity inaccurate, Date Opened has XXXX different dates ( inaccurate ). Date of last payment is inaccurate. Remove from my credit report. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Charge off still reporting ongoing payment history and balance, Date of Last Activity inaccurate, Date Opened has XXXX different dates ( inaccurate ). Date of last payment is inaccurate. Remove from my credit report. 



XXXX. Account Name : XXXX Account # XXXX Dispute Reason : Payment history is inaccurate with other reporting agencies XXXX, XXXX, XXXX and XXXX. Date of last payment has XXXX different dates. update payment history as paid as agreed never late ( PAANL 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-13
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 (NC)

A clarification on the disputed charge with XXXX : The original contract attached states that {$260.00} is due at delivery on the pod, which was paid on XX/XX/XXXX. The total leftover is {$110.00}, due on the pick-up date of XX/XX/XXXX. XXXX XXXX XXXX charged me {$270.00} on XX/XX/XXXX. They said this was the monthly rent price, but nowhere on my contract or confirmation emails does it state this. I also talked to multiple people over the phone, confirming the {$110.00} was the only remaining balance, and they confirmed. XXXX XXXX XXXX even listened to the recorded phone call and agreed that the representative told me but still refused to do anything about it and said that in an email, too. 

Actions I have taken : I opened the claim in XX/XX/XXXX with Capital One, and they still need to provide a link where I can upload the supporting documents ; then, they closed the claim without following up. I re-opened the claim in early XX/XX/XXXX, and they provided the link, and we uploaded the documentation twice on XX/XX/XXXX ( they declined the claim instantly ) and we redid it again with a supervisor on XX/XX/XXXX and they declined the next day XX/XX/XXXX, claiming that it has been more than 60 days since the original claim was opened. We have a recording of the supervisor agreeing to the claim being valid on XX/XX/XXXX and endorsing it to the investigation team again. 

Request for reimbursement : Based on the attached documents to the claim and the above explanation, I requested a reimbursement of the ( XXXX XXXX ) = XXXX plus any interest charged on this amount.
Consumer complaint received 2023-07-22
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. (LA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the XXXX  is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2024-02-08
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: Accounts Interchange Group LLC (GA)

Subject : Urgent Clarification Needed : Debt Paid in Full, Removal Request Granted Dear [ Accounts Interchange Group ], I am writing to urgently address a critical matter regarding account [ Approval Code : XXXX ]. I recently learned that the debt associated with this account has been fully paid, and a request for its removal from my credit report was granted, following the tragic loss of a family member. 
Given the sensitive nature of this situation and the urgency it entails, I am reaching out to request confirmation and clarification regarding the status of this account. It is imperative that the necessary steps are taken to ensure its prompt removal from my credit report, as agreed upon. 
Your swift attention to this matter is greatly appreciated, as it will allow me to focus on the grieving process and necessary arrangements for my loved one without the added burden of unresolved financial issues. Also this credit reporting agency isnt listed on my consumer report. I was transferred from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX so I am very confused and do not feel comfortable with my information being sold. This miss understanding has gotten me denied for a loan and I do not know how I will help pay for my grandmothers funeral. 
Thank you for your understanding and cooperation in this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-22
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. (IL)

In accordance with the Fair Credit Reporting Act Equifax has violated my rights by reporting false information about the following : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) 15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

The above account information is false! I have and am experiencing close to homelessness due to this false information. I need this information corrected by removal from my credit report. I have 3 children and one on the way and I care for my XXXX mother, and it is ridiculous that I must live in a small apartment for how many more years! Waiting for this to change?? I need this removed. Below is the information I see is totally incorrect. I have contacted Equifax with no change to this information. It's like they don't even care. I lose sleep and feel like life is exhausting me because of how stuck I am with this credit score being reported so wrongly. 



XXXX XXXX XXXX  = XXXX for XXXX & XXXX they reported 60 days late XXXX for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  150 days late XXXX XXXX  118 days late XXXX XXXX  = XXXX XX/XX/XXXX, XX/XX/XXXX On XXXX, XXXX, XXXX in XXXX there shows no late payments. But I have them randomly in XX/XX/XXXX and XXXX. XXXX This makes no sense. 



University XXXX XXXX = XXXX XXXX to XXXX are all 180 days late. I called them many times over the years and they said I have no account with them. This is the only credit bureau showing I owe them when I own them nothing. There is also 2 accounts of the same accounts open just 1 day apart. These accounts even have the same account number ending in XXXX
Consumer complaint received 2023-07-22
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 am interested in processing disputes on my credit report to delete an remove all invalid data that is inaccurate an hindering my credit report. this has been an on going issue that needs to be resolved asap. alot of data causes denials on my files. please review an remove the listed items to help clear my file from all negative items asap.
Consumer complaint received 2023-07-22
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : 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 RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (IL)

Filed Disputes : XXXX, XXXX, XXXX - Telephonic Disputes, Written Disputes - Electronic Disputes Inaccurate Balance / Inaccurate Late Payments XXXX XXXX not given authority to submit any personal information regarding any history without my consent. 

15 USC 6802
Consumer complaint received 2023-07-22
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: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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
Consumer complaint received 2023-07-22
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: Experian Information Solutions Inc. (CA)

This is my 6th 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

My American Express accounts were closed in XXXX in error due to billing disputes. Why would I intentionally try to get my accounts closed? I always used and payed my cards on time. It was fraudulent for whoever had my accounts and was not me. I need to be able to apply for another card without getting denied. I have been with Amex since 2018. And I am a veteran. I shouldnt be treated this way for an error that was not me.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened a checking account with Bank of America, was using it and then XXXX day I couldnt log into my account anymore. They took my XXXX $ from me and said that my account was closed but wouldnt give me a reason or resolution to fix it.
Consumer complaint received 2024-02-08
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: DISCOVER BANK (MN)

All dates since credit card was opened. Discover credit card. the limit was {$4200.00}. Charges were made in that amount. I disputed and they said that they believe it is not fraud. I submitted an affidavit of forgery, fraud letter and police report, and they still say that the balance is fraud. BUT-ALL the charges were not mine. I have been fighting with them about their said findings and they refuse to give me any documentation. They said by law, they didn't have to. They also lowered the credit limit to the balance currently to {$300.00}. Credit card ends in : XXXX. I do not know what the full account number is because they will not tell me. They just continue to try to bill me and I refuse to pay for charges that are not mine. This is ridiculous and needs to stop now.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into hands of the wrong person. ''
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report.
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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. (CA)

This letter is in response to your recent claim that the accounts listed below have been verified and that the information they are reporting under my name is accurate. I have attached proof that the reporting is inaccurate on all of them. the discrepancies are circled in XXXX. I have never been late on these accounts. 

XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXXXXXX XXXX  XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXXXXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

if you conducted a thorough investigation, I request you provide full method of verification : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

3. What did it cost your company to obtain the documents needed to complete your investigation?

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.