davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (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. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NY)

Discover has a policy that when you make a payment on your credit card, even a minimum payment on the card, if you have a bucket of the balance at a 0 % promo interest rate, and another bucket of the balance at an interest rate being charged, the principal portion of your payment goes towards the bucket that is being charged a 0 % interest and not the bucket being charged interest. I talked to Discover about this about 3 weeks ago and they informed me that this is their policy which from my understanding of regulations, any principle portion of a credit card payment should go towards the balance being charged the higher rate.
Consumer complaint received 2023-04-01
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. (PA)

I am writing to dispute the presence of several hard inquiries on my credit report that were not authorized by me. I am requesting that XXXX and Equifax immediately delete these unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized hard inquiries in question are negatively impacting my good name, character, and my ability to qualify for new credit. As a consumer, I have the right to control who has access to my personal information, and I did not authorize any third parties to access my credit report. 

Furthermore, I have reason to believe that the furnishers of these unauthorized hard inquiries are unreliable sources of information. I have not had any business dealings with these companies, nor have I authorized them to access my credit report. Therefore, I can not verify the accuracy or legitimacy of their claims. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiries. I request that XXXX and Equifax investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Please provide me with written confirmation of the deletion of these inquiries within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

Receivables Performance Management ( RPM ) ( https : //receivablesperformance.com/ ) is attempting to collect a debt which is in dispute with the originator ( XXXX XXXX XXXX invoiced me due to an error in their system that they have been unable to correct. I was shopping around for mobile providers and contacted XXXX sales through their website. The agent opened an account for me and billed me for activation fees. SIM cards were sent but I didn't receive them because the XXXX agent entered my address incorrectly. 

I never received any goods from XXXX and I never activated service with that company. I communicated with XXXX through chat, call and in person multiple times. I was charged for two months of service before they could successfully cancel my account. All these charges were being made to the credit card that I gave them at the time of activation. 

I requested a refund from XXXX  multiple times. Every time they told me that the issue was resolved and that I would get a refund within 21 days. Refunds never came so I contacted to inquire. XXXX 's usual response was there was no refund request on my account nor record of previous interactions. I am attaching documents with proof of my interactions with XXXX from XX/XX/2022 to XX/XX/2022. Calls are highlighted in yellow. 

I gave up on XXXX and decided to request a refund through my credit card company ( XXXX ) on the basis that I was being charged for services not received. Additionally, I asked XXXX to block any upcoming charges from XXXX. My call to XXXX is highlighted in orange on the XX/XX/2022 bill. 

I have exhausted a lot of time, patience and resources trying to resolve this. This debt is incorrect and it is not owed. 

XXXX sent my account to collection and this company is already reporting missed payments to the credit bureaus.
Consumer complaint received 2023-04-01
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. (IL)

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. XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXXL XXXX ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Automobile Dealers ) 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 an 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 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I went into the local branch to inform representatives that my account was fraudulently accessed. I also requested to close the account or even place a restriction on my account so the suspect can not gain further access to my accounts. I was denied such requests. I was then refused service to deposit my payroll. During the time my balance was {$2.00} cents. During my time away with no access to the local branch nor any means of communication with Capital One I have not received any mail correspondence from Capital One. When I became well enough to visit the local branch I recently learned Capital One charged off my account then took the money from a deposit recently posted. The teller acknowledge the fact that I came into the branch and notified of my accounts being compromised. My checking account was still in open status at the time although my payroll was rejected by another representative. Also my account should have never been charged off and closed. She also produced to me my available balance. She took notice that yesterday another female and her partner of a different race came in and spoke of the same problem with the only difference being the young lady balance was XXXXXXXX XXXX shorter than my balance. The young lady literally requested her funds and the teller next to her cashed the young lady and her partner out releasing all of her funds. I was sent to the branch on several occasions at the direction of the BCR claims team to retrieve my funds with a claim number. A branch manager tried to get me access to my funds as they are very needed. He had me deposit XXXX XXXX into my savings account to make my savings account active to transfer funds. He stated my account has a lot of notes and the fast way he could possibly get my funds was to transfer my funds or give me a cashier 's check. I did not get the cashier 's check because the back office refused to release my funds without admitting fraudulently closing my account. I have never been yelled at, discriminated against and treated worse than I had ever imagined in front of a full branch of customers, employees and my XXXX. I have a very stressed out XXXX. Capital One reprensation showed no remorse as they charged off my account very inappropriately. Now as we are homeless at the hands of Capital One as they refused to release my funds. I am currently leaving the branch for the 4th time where as representative are upset that my funds are clearly there but can't be released because Capital One without notification to me charged off my account then fraudulently took the charge off amount back and locked my account thus wanting to open a case to close and already charged off closed account. I have photo proof of Capital One fraudulently trying to fix what they fraudulently did to my children and I funds and all contact information.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  new york XXXX is committing illegal fraudulent activity against a XXXX person and veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX OF XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC XXXX XXXX ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND ALL THREE OF THE CREDIT BUREAUS TO THE XXXX XXXX XXXX THE FLORIDA AND NY ATTORNEY XXXX OFFICES AND THE FCC FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND XXXX FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST XXXX XXXX XXXX  AND XXXX.
Consumer complaint received 2023-03-15
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Disputed fraudulent accounts with reporting agency and they did nothing to help. Could not get directed anyone who could help.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the presence of incorrect hard inquiries and inconsistencies on my credit reports with XXXX and Experian. Despite my repeated attempts to dispute and address these issues directly with the credit reporting agencies, I have encountered limited response and no satisfactory resolution. I urgently need all incorrect hard inquiries and inconsistencies removed from my credit reports without further delay. 

Details of the Complaint : Incorrect Hard Inquiries : My credit reports with XXXX and Experian contain hard inquiries that are either incorrect, not associated with me, or lack accompanying information. 
These incorrect hard inquiries are negatively affecting my credit score and creditworthiness. 
Inconsistencies : Inaccuracies and inconsistencies are prevalent throughout my credit reports, affecting account information, credit utilization, and payment history. 
These inconsistencies are causing substantial harm to my credit profile. 
I kindly request that the Consumer Financial Protection Bureau intervenes in this matter on my behalf to help expedite the removal of these incorrect hard inquiries and rectify the inconsistencies present on my credit reports with XXXX and Experian. Accurate and reliable credit reporting is essential to my financial well-being.
Consumer complaint received 2023-04-01
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. (AR)

In response to the recent investigation, I would like to express my disagreement with your findings and request that you ensure complete accuracy. I feel that not enough was done to contact the creditors/agencies that have reported negative information on my credit report. As a result, I am now requesting more information about these particular items. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX Balance {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$560.00}. In accordance with the Fair Credit Reporting Act, I request that you reinvestigate and update or remove these disputed items. Please provide me with the names and addresses of the individuals you contacted. You have 15 days from the receipt of this letter to complete these actions, as stated in 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this time will be considered non-verification, and the items must be promptly updated or deleted as per Section 1681i ( a ).
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2024-08-28
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: EQUIFAX, INC. (MD)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

About eight or nine years ago, when I was still in college, my mom, XXXX XXXX XXXX, was worried about how I did not have a credit card to use for any emergencies. I was at this time someone with no credit history. She thought it would be a good idea to put me down as an " Authorized User '' for her XXXX Credit Card just in case I needed to use the card for an emergency as a college student. I do not recall ever using the card, and I certainly never cosigned for it or declared myself liable for any of the debts that were accrued on the card under my mom 's name. Now, all these years later, that XXXX XXXX is damaging my credit report because Equifax and other companies are treating it as if it is a very old card that I took out or signed for many years ago. 

Months ago, I called XXXX to express my frustration about this situation. They claimed that they removed me as an Authorized User from the Card and yet, three months later, my Credit Score is still being dragged down by their XXXX XXXX. Again, I do not have any access to this card, I never accrued any debts on it, and my name should have no association with it whatsoever. Since I was delisted as an authorized user, I have noticed that they no longer list my mom 's debt as being my own, but I would like my association with the card to be removed completely. The age of the card is serving as a drag on my Credit Score right now. 

Ultimately, XXXX should not be on my credit report. I am about to take on a new job and rent an apartment in another state, so I want my credit score to be as good as possible and no longer damaged by my name being associated with this nine year old card that I never signed for and that I have absolutely no access to today.
Consumer complaint received 2023-03-15
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)

These accounts on my credit have been opened fraudulently, be made a dispute with credit bureau and notified them of this action and I was told that information was accurate and stays, I do t think they have done their job on fully investigating these claims, Ive never opened these accounts, and they are not mines, Ive sent my Driver license, Ftc Report fraud report and also contacted them and told them the issue. If properly investigated this account wouldve been removed off my credit but it is against the law to claim and action was done and nothing really was solved or done. 

XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX Account number XXXX XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX XXXX Account number # XXXX, this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it 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 shall ( i ) 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.
Consumer complaint received 2023-07-25
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.