davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Name : XXXX XXXX XXXX XXXX : XXXX Date of birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account with XXXX XXXX XXXX opened on XX/XX/XXXX with the account number of XXXX and a loan with XXXX  Loan operations opened in XX/XX/XXXX with account number of XXXX. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud as well as the hard inquiries that are listed in my identity theft report. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and auto loan are the result of identity theft and fraud.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (AZ)

I have previously submitted numerous requests to your company to reassess the inquiry on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. 
How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

I HAVE NOT GIVEN PERMISSION FOR MY PERSONAL INFORMATION TO BE REPORTED BY ANY CREDIT COMPANY OR BUREAU. THESE ADDRESSES CAN BE FOUND ON ALL 3 OF MY CREDIT REPORTS AND ARE ADDRESSES THAT I NEVER LIVED AT OR I CURRENTLY DO NOT LIVE AT THE ADDRESSES ANYMORE. SEE ATTACHMENTS FOR ADDRESSES LISTED OTHER THAN THE ADDRESS BELOW CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-10-23
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: BARCLAYS BANK DELAWARE (MD)

I purchased a one-time subscription from XXXX online design elements on XX/XX/year> at a cost of XXXX {$110.00}. That was to facilitate an online design business I was attempting to commence with XXXX. That business did not pick up and the need to maintain a subscription with XXXX products would not have been necessary for me. Nonetheless, my subscription to XXXX was a one-time event. I did not subscribe for annual renewals to a product. I was thus very unpleasantly shocked to discover new charges to my Barclay Mastercard, long after I had ceased to use XXXX products. 
What XXXX did was to retain my card particulars and to charge a renewal fee for a subscription that I did not request. 

When I saw the new charge on my card, I tried to log onto the site hoping to file a complaint or ask for a refund, but to no avail. The site does not provide such info, and I was left to request Barclays to cancel the transaction. The bank removed the transaction but reinstated it a few days afterwards, stating that XXXX had provided evidence that I had made a new subscription. That claim is false and misleading and nothing has been provided to authenticate it. My last use of the XXXX product was around XX/XX/year>. 

I have made multiple telephone calls and sent faxes to Barclay Card, but every time I am taken round in futile circles. It is my understanding that the bank makes money from purchases on my account, not on cancelled transactions. I infer therefore, thats the reason for their reluctance to cancel the fraudulent charge. At XXXX point, a Barclay card agent gave me a number to call XXXX, XXXX. Ive tried it multiple times, but it goes to an unmanned answering machine. The XXXX website has no customer care number or email address by which I could communicate with them, only an address registered in XXXX. 

I am reaching out to you to help me have the fraudulent charge and interest associated with it reversed from my Barclaycard account.

Thank you in advance for your assistance
Consumer complaint received 2024-10-28
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

They do not want to send me my reports even though I have sent all my documents and evidence from the court that I do not owe anything, nor do they want to correct the report. When I called and asked for a supervisor, she responded by hanging up the call. I did a XXXX XXXX  on XX/XX/year> was release. They know that because they already have the information that I sent them trhough certified mail several times.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

This complaint is about my American Express business platinum account ending in XXXX. The account was closed due to the fact my business lost a recently obtained contract and Im having to adjust my lifestyle and move. Because of this I had to cancel my account. I sent a payment yesterday and today I was checking the remaining balance to be paid off before the due date of XX/XX/2018. I saw I had a negative Memberahip Rewards balance of XXXX XXXX. The card came with a sign up bonus of XXXX points after spending {$10000.00} in the first XXXX months which I did. One attaching the statement which clearly shows spending above the requirement. The points were posted when I met the spending and I transferred them to the airline of my choice. Im respectfully requesting the membership balance be updated to get out of the negative, since it was at XXXX points yesterday. Ive never had this sort of problem with Amex and I hold several of your cards which I enjoy using and Im an advocate of. I called and spoke with XXXX and then XXXX at the Memberahip Rewards Department. They agreed on a recorded line that I had met all the requirements of the spending and that I shouldnt have a negative balance. As a long time loyal customer Im asking you to do the right thing. Otherwise Ill be forced to close all my accounts with you and move my spending to somewhere else. I sincerely hope your company values their customers and doesnt see us as just numbers. Thank you.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-23
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. (DC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-23
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-23
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. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency , to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Secured loan at XXXX XXXX on XX/XX/XXXX under the account number ( private ), And that resulted in collections with a balance of {$2300.00}, and a personal line of credit account opened at XXXX XXXX on XXXX. XXXX, XXXX under account number ( private ) and that resulted in collections with a balance of {$360.00} ( private ) that appears related to the aforementioned personal line of credit account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-23
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. (NC)

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXXXXXX - CLOSED LATE PAYMENT XXXXXXXX XXXX XXXX XXXX - Collection/Chargeoff XXXXXXXX XXXX XXXXXXXX - Collection/Chargeoff XXXX XXXXXXXX Collection/Chargeoff XXXX XXXX XXXXXXXX Collection/Chargeoff I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OK)

Back in XXXX  we went to XXXX  and stayed in a XXXX XXXX at a discounted price if we would go listen to the sales spill. During the sales speech we asked several questions and wasn't interested because I knew about these timeshares and how people were getting ripped off. The salesperson said several times that this wasn't a timeshare, and you can stop it at any time, he told of stories of people that couldn't afford it anymore and they returned it. The salesperson made it seem so easy. We ended up purchasing it and overtime never used it. The maintenance fees went up all the time and it was getting to where we couldn't afford it. I called XXXX and requested to return the timeshare to them, and they said I couldn't. After trying to return it on our own and being unsuccessful we reached out to XXXX XXXX, XXXX exit company, and they could assist us. We paid several XXXX dollars to this company, and they did nothing for us. In the end I submitted a deed in lieu to XXXX. Since doing the deed in lieu my credit score has significantly went down and XXXX reports it as a mortgage foreclosure. How can you report this as a mortgage when it isn't a tangible item?
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX *********** XXXX  XXXX {$490.00} Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX {$1100.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX {$450.00} Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX {$7100.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$2800.00} Account number XXXX Date opened XX/XX/XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  {$47000.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXX XXXX *********** XXXX XXXX XXXX  {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  {$7100.00} Account number XXXX Date opened XX/XX/XXXX XXXX  {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX {$2700.00} Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX Equifax *********** XXXX XXXX XXXX XXXX  {$9600.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6600.00} Account number XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX {$7100.00} Account number XXXX XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$0.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX  {$1200.00} Account XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$47000.00} Account number XXXX XXXX Date opened XX/XX/XXXX