davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
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)

After reviewing my consumer report, I found entries that do not reflect my own activities and have caused me significant distress. I am seeking your assistance to resolve these issues promptly and accurately.I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I have enclosed a copy of that complaint along with proof of my identity and address.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to formally challenge the validity of an account reported by XXXX, which I have never entered into a contractual agreement to pay. I have not agreed to any terms or obligations associated with this alleged debt. It appears that XXXX may have purchased this debt from a creditor, and I am requesting proof that they have the legal right to collect on it. Specifically, I ask for : Documentation showing that I am legally bound to this debt, including a contract with the original creditor bearing my signature. 
A chain of custody, sales agreement, and any witness statements demonstrating the proper transfer of this debt from the original creditor to XXXX for {$890.00}. 
Without this documentation, the account lacks legal validity and should not be considered collectible. I also request that all collection activities cease immediately and that the account be removed from my credit reports pending this review. Reporting this account without proper legal validation is unlawful. 

Please note that I will not accept mere transaction records as sufficient evidence of an agreement. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On Thursday, XX/XX/XXXX, I was in a XXXX XXXX XXXX casino and I was ready to travel back to where i was staying. I took a cab and when I swiped my card, it didn't work. The cab driver said i could pay with XXXX or Zelle. I was tired and fell asleep during the drive and he took me to a strip center where other cab drivers were hanging out. I told him that this was not the right place and asked where I was. He said that i need to get my Zelle payment, and right as he said that, another person got into the backseat and demanded that I make the payment and they'll take me the rest of the way. I feared for my life at this moment, and proceed to give them {$170.00}. The recipient took the phone from me and added another XXXX. I did not authorize this payment and didn't realize what they did until the next day.
Consumer complaint received 2024-08-10
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. (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. 

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.
Consumer complaint received 2023-03-21
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. (TX)

I currently have 2 closed credit card accounts with XXXX XXXX XXXX XXXX that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( XXXX, XXXX, experian ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to XXXX XXXX Multiple times about having the accounts removed as well as all 3 credit reporting agencies.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2017-09-11
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. (OH)

Equifax has reinserted 2 accounts on my credit report that are fraudulent that do not belong to me and are a part of identity theft. There is a XXXX account that I disputed a while ago that was removed and not it has mysteriously has been put back on my credit report. I asked for a signed contract with my signature for and XXXX did not furnish this..So the account was never validated. There is a XXXX/Home account that does not belong to me. A consumer can not show proof of something that there is no signed contract with a signature on it. I asked for a signed contract and never received. I want these accounts removed for they are damaging my credit score. I will be forced to file a lawsuit similar to the Oregon federal court lawsuit in XXXX 2011,  XXXX XXXX of XXXX County, Oregon. One would think that once you have been sued for millions you would learn from your mistake. There is no contract that I signed to " share information '' for any of this false accounts.
Consumer complaint received 2024-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

Our USPS Mailbox was broken into and my California State ID and Vehicle Registration information from the Department of Motor Vehicles ( DMV ) were among the stolen mail pieces. Somebody tried to apply for the following accounts below : XX/XX/year> MACYS/CITIBANK, N.A. MACYS/CITIBANK, N.A., CITI XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CITIBANK NA. , BEST BUY CITIBANK NA., BEST BUY, CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was alerted of these hard inquiries via XXXX XXXX and I already reached out to XXXX to dispute these 2 inquiries and this was their response : The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/year> XXXX macys/citibank, n.a. XXXX The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/year> XXXX XXXX, best buy XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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. (GA)

**15 U.S. Code 1681m - Requirements on Users of Consumer Reports** This section requires companies to provide notice when adverse actions are taken based on information in a consumer report, which can include hard inquiries. It also mandates that companies certify the purpose for which they are obtaining the report. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PNC Bank N.A. (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. pnc bank XXXX XXXX infiniti fin svcs # XXXX U.S.C 1681 section 602 A. States I have the right to privacy.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.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

In according to the fair credit reporting act this creditor has violated my rights. 
under 15 u.s.c 1681 section 602 state I have the right to privacy. 15 u.s.c 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an a account without my written instructions under 15 U.S.C 1666B a creditor XXXX not treat a payment on a credit card account under or open An consumer plan as late for any purpose
Consumer complaint received 2017-09-11
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. (MA)

Equifax did not follow appropriate security protocol to protect my information. They have repeatedly failed to protect my information as a consumer. As a result of their poor security protocols my financial information is compromised which can lead to indentity theft, inability to secure loans in the future, loss of money and time.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (LA)

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 account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Kohls is using XXXX and discriminatory practices against me, and trying to hold me liable for unauthorized and fraudulent charges on my Kohls credit card account. The current charges of {$1400.00} listed on my account are all fraudulent charges. I didnt make the charges. They are fraudulent. I called Kohls and spoke with a Kohls representative and informed the representative that the current balance of {$1400.00} is fraudulent. The representative informed me that I was lying and made the charges, and the representative called used a XXXX  slur against me and called me a lying XXXX and hung up the call on me. This was totally wrong and unlawful business practices.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (AL)

Yes a entered a contract with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the lease of a XXXX XXXX XXXX XXXX For the Sum of XXXX. I applied XXXX down with payment arrangements for XXXX for XX/XX/XXXX and XX/XX/XXXX and then fjor XXXX ( which ended up being XXXX every two weeks because I submitted on line and they charged a fee for this.I made payments every two weeks up until XX/XX/XXXX due to I was unable to get ahold of XXXX XXXX to make payments and the dealership where I got the car was closed. That is when I found out they had closed down nation wide. I was told a company called Westlake Portfilio Management took over the loans. I finally receive a letter in regular mail on XX/XX/XXXX. Stating the I owe them XXXX and was past due XXXX. I tried contacting them and I have been unsucessful until XX/XX/XXXX when I finanlly reached them requesting a credit rating letter which they sent immediatly to my email. but when I started questioning them about the amount owe and where they got that fiqure since I had made payments every 2 weeks for a year and the orginal contract was for XXXX they hung up on me. and I have not been able to get them to answer. I have tried to trade car but dealerships don't know who they would get final pay off from or who to send it to. It is not showing up on my credit report as of date, not even ehere I have paid for a year. This is very fustrating when I done everything in the contract and I am being told by a debt collector not a bank or loan company that I owe more than my contract even started out as.
Consumer complaint received 2023-03-21
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. (FL)

My credit report dated XX/XX/2023 from the three major credit bureaus shows that XXXX consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.
Consumer complaint received 2023-04-05
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: U.S. BANCORP (IL)

XXXX XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

ELAN FIN SVCSXXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information ELAN FIN SVCSXXXX XXXXXXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (MD)

Equifax credit bureau reporting inaccurate information. Call to complain about the inaccurate information and was told by representative that it was fixed. Then later to find out that none of that was through outstanding balances that are incorrect are still on my credit report. Ask to speak to a supervisor the supervisor was rude and ask me to call back later. She was not helpful. Said her system was down. My Business credit application was declined because of the inaccurate information on my credit report, that they assured me would be corrected.
Consumer complaint received 2023-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
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. (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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-28
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)

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.

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.
Consumer complaint received 2024-08-09
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 hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that they sent the statement to the wrong address, causing the late payments on my end. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I noticed an inquiry on my Equifax account that does not belong to me. Here are the details... 

XX/XX/year> XXXX OF XXXX XXXX I called Equifax XXXX XXXX and also sent them a letter informing them that I did not do this inquiry. Please remove this from my credit report immediately as it is causing me problems trying to access funding. Thank you for you assistance with this.
Consumer complaint received 2024-10-18
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)

Upon reviewed my credit report from my Files, I noticed that the report has a hard credit inquiries that I did NOT AUTHORIZED nor Recognize. ( EQUIFAX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> ). 
I have Not given permission to anyone in the institution to pull my Credit file regarding this XXXX XXXX bank.