davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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. (CT)

I am desperately in need of vacating my apartment within XXXX months when my lease is up. Therefore, I need to initiate this complaint to investigate why XXXX, XXXX, and Transunion refuse to take reasonable measures in conducting their OWN investigations when this consumer disputes inaccurate and unfair reporting of data on my credit report. I have submitted several copies of my credit reports from the past and current. Upon your review, you will see the above-mentioned credit agencies, ALL have allowed CLOSED accounts to report false RECENT LATE PAYMENTS ( Please note that I have not been late on any account in nearly XXXX  years ). CRAs allow the creditor to continue to update my accounts with MISLEADING information. Such as, in XX/XX/XXXX, the CRA 's allowed XXXX XXXX  to FALSELY UPDATE A CLOSED ACCOUNT AS BEING REPORTED OVER THE LIMIT. ( Please note, that XXXX XXXX  initially reported on this closed account back in XXXX ). False manipulations of my utilization. 
Please note that upon calling these agencies, each informed me that they DO NOT conduct investigations they go by what the Creditor reports. Therefore, these actions committed by the CRA 's by not conducting their own reasonable measures in investigating how the accounts are being reported is a direct cause of me being denied an opportunity to get approved for housing. Please note that each time I dispute, my credit score drops between XXXX XXXX points. This is a retaliatory practice to deter consumers not to continuing to dispute inaccuracies because it blocks my right to rebuild my credit.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CFPB - Previous complaint filed related to today 's matter To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Equifax has again violated my rights, by furnished unauthorized inquiries that are indeed not MINE. I have told and written Equifax And event sent my Identity theft report for the Identity theft. I have also Attached this FTC Identity theft report. The Inquiries that are not mine and a result of identity theft are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent increase are from the year XXXX to the year XXXX which I have already previously disputed with CFPB. An Equifax continues to violate my rights. 

You should note that, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. You stated in the above previous investigation, That You Equifax has verified that the inquries are mine how is this so? And how did you verify inquiries that are a result of identity theft I DEMAND to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for, Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. These Non account holding Inquiries are not mine and are costing me financial harm.

In addition, please remove all non-account holding inquiries over 30 days old. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen days of the completion of your re-investigation. 


Thank you, XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

I entered into a timeshare contract with XXXX XXXX in XXXX ; however, they consistently failed to provide the services outlined in the agreement. 

Despite repeated attempts to book vacations as promised in the contract, we were unable to access the timeshare services due to constant unavailability. This unavailability has been a persistent issue, leading us to believe that the services were misrepresented and oversold, which constitutes a breach of contract. 

In XXXX, we, ( Husband and I ) sent a cease and desist letter to XXXX XXXX to formally dispute the contract. Without our knowledge or consent, XXXX XXXX transferred or sold this account to Monterey Financial ( a collection agency ), given that we never received the services promised by XXXX XXXX and the account was transferred without my consent. 

XXXX has continued to charge maintenance fees and other hidden fees, despite the lack of service delivery. Attempts to resolve these issues with XXXX customer service have been unsuccessful, and my concerns were dismissed or ignored. 

My husband and I, were misled by XXXX representatives during the sales presentation. The representatives promised high availability of vacation properties, luxury accommodations, and flexible booking options, none of which were honored after the contract was signed. 

We believe XXXX 's practices violate various consumer protection laws, including but not limited to fraud, false advertising, and breach of contract. The company 's conduct is unlawful and unfair to all consumers who have been similarly affected.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (OH)

I noticed on my XXXX XXXX XXXX that this company has never collected from me and accessed my credit report without my permission : XXXX Collections TRANSWORLD SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Consumer complaint received 2024-10-12
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: Klarna AB (CA)

I bought a XXXX XXXX XXXX XXXX  for XXXX through Klarna in XXXX XXXX XXXX  I received the wig was poorly made.The XXXX was not as described so I contacted XXXX XXXX and Klarna. Klarna put the payments on hold while they " investigated '' the claim in XXXX. I uploaded all information along with pictures to Klarna. After about one month, Klarna closed the investigation supposedly because I did not upload " sufficient '' evidence.Meanwhile, I contacted XXXX XXXX. I received different emails- One email stated that there was nothing wrong with the XXXX. I needed to pull it down on my head and it will be fine. 
Another email had apologies and that they could give me a partial refund or a new XXXX I was okay with receiving a new XXXX After a month, I had heard nothing so I emailed the company again. They offered to give me {$30.00} refund although the XXXX was {$130.00}. I responded that {$30.00} was unacceptable since the XXXX  was {$130.00}. I am disappointed that Klarna did not investigate this further and closed out the claim. I'm also appalled that XXXX would think it's acceptable to offer a customer {$30.00}, then {$40.00} to settle a XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This account is reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. I was never called or contacted to confirm permission for reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts immediately. There have been several requests. I am requesting {$1000.00} for each violation.
Consumer complaint received 2024-09-04
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. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED!
Consumer complaint received 2024-10-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (IA)

I have filed a dispute with Chime regarding a transaction through XXXX. The item was a signed XXXX XXXX movie poster by XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Because XXXX only offers a 14 day return policy I submitted a photo of XXXX XXXX signature to XXXX and they advised it was not likely to pass authentication. I had received the poster and submitted the XXXX opinion and the opinion of a well respected XXXX group that indicated that this item was NOT authentic. I submitted this to XXXX and they locked me out of my account because I filed a dispute with Chime and after submitting the evidence denied the return because they said they did not have any evidence to indicate it was not authentic and would not allow me to submit any additional evidence because they greatly limited my account due to the chargeback request. I have filed a rebuttal with chime after they twice denied my claim. This time they were supposed to render a decision by XX/XX/XXXX. A week ago, they submitted a request for information they already had thus extending the deadline for a decision until novemeber XXXX. I feel this is fraudulent activity by Chime and they have refused all request to speak with the investigation team or provide me with information XXXX sent them.
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uplift, Inc (CO)

On XX/XX/year>, XXXX, XXXX approved a loan for my cruise. Then on the XX/XX/year> XXXX when I went to actual utilize the approval I was denied. I can not speak with anyone about the decline. Nothing has changed on my credit.
Consumer complaint received 2024-07-19
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. (IA)

I am writing to follow up on a dispute I previously submitted concerning several inaccuracies on my credit report. Despite my earlier communication, these issues remain unresolved and continue to negatively impact my credit scores.
Consumer complaint received 2024-10-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (MO)

I was called by XXXX XXXX XXXX on XX/XX/year> at roughly XXXX regarding a medical debt. I asked the person that called to identify themselves, and they refused to, only stating their name was XXXX. When I asked again for them to indentify what company they were from, they threatened to put me down as " not taking care of my debt '', and started to try to end the call. He threatened me for requesting more information about who he was, why he was calling, and what company he was with.
Consumer complaint received 2024-07-08
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. (DC)

I have detected unauthorized inquires on my credit report. They are from : XXXX XXXX on XXXX XXXX XXXX XXXXXXXX XXXX XXXX. on XX/XX/year>XXXX XXXX XXXX XXXX on XX/XX/year> XXXX  XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX
Consumer complaint received 2024-07-08
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. (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 maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( XXXX ) 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 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 inquiries from my credit report, immediately : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items were not authorized by me.
Consumer complaint received 2024-07-09
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. (TX)

I am writing to formally dispute unauthorized inquiries on my credit report. I have recently reviewed my credit report, and I have identified several inquiries that I did not authorize. These inquiries are affecting my credit score negatively and were not initiated by me. 

Please find the details of the unauthorized inquiries below : Inquiry by XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> Inquiry by XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I kindly request that you investigate these inquiries and remove them from my credit report promptly.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This letter is a follow up to my original letter dated XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
( Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX. ) No response after 75 days multiple letters and proof of identity
Consumer complaint received 2023-10-02
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: TD BANK US HOLDING COMPANY (PA)

6 Hard Inquiries that I did not apply for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Target XXXX XXXX
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Refer to claim XXXX CFPB is expected not only to dispatch letters and documents between complainants and defendants, but to provide material input to the raised dispute. CFPB is not supposed to act as a courier between the parties. With this regard, we require CFPB to re-open the case and to resolve the dispute with a formal decision after consideration of all facts and evidence presented. If CFBP is not competent to do so, we expect CFPB to refer the complaint to a competent authority.
Consumer complaint received 2023-03-17
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MD)

This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was graduating with my XXXX  in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to adjunct for my university. I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was XXXX XXXX that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get my degree in mathematics and eventually a XXXX  in math. I had to reinvent myself. Thank you for your time in reading this.
Consumer complaint received 2024-07-12
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: SYNCHRONY FINANCIAL (CA)

i was check the statement I want Synchrony XXXX store card to have refund I sent email several times but did not get answer from them so I like to claim this issue and i return the product and XXXX XXXX told me to refund to my Synchrony XXXX XXXX card but when i check to the statement no refund and they copy my ideas and promoted I want to have refund {$130.00} so I am going to attach the file