davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-09-03
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 XXXX 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 XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCR

A section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$190.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$33000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$310.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-06
Product: Credit 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: SYNCHRONY FINANCIAL (TX)

I have been trying to rectify this account since I learned of this fraud charge. On Tuesday XX/XX/year> I arrived at work at XXXX. I used the badge reader to enter the building. I did not leave until the end of day between XXXX and XXXX. I did not take off that day, I was present the entire day. This is reflected in the attachment marked ( ID Badge ). It shows I used my badge to enter my workspace. I received an email stating I made a charge on my XXXX card of $ XXXX. I contacted the company Synchrony Bank letting them know I was at work 40 miles away and did not make the charge. My husband and I had not used the card in years, we thought it was closed. We did not like the service they provided on his truck/SUV, so we took our business elsewhere. Synchrony closed the account at my request and started the investigation process. I have contacted XXXX Customer Service and XXXX Synchrony Bank well over 50 times since XX/XX/year>. I have spoken to countless representatives that have placed my account on a 45 day hold while they investigated the charges. They have investigators contact me about the account, but do not want any information from me. I find this odd if I am the victim in this investigation. I have visited the XXXX store that authorized the charge and they do not see any information in their computers that link my XXXX Synchrony XXXX XXXX account to the fraudulent charges listed on my credit report. I have shared this information with two of the investigators and they have been very dismissive. I was able to speak to one investigator who completed a 3 way call for me to the XXXX store that authorized the purchase and after she heard the information I have been saying stated word-for-word by the XXXX store agent she asked that a letter be drawn up that is on XXXX letterhead stating the charges are fraudulent. I have not received that letter from XXXX. I reached out to XXXX Corporate offices in XXXX XXXX and left a long complaint. I received an email from XXXX XXXX. You will be able to see the email thread in the attachment labeled ( Gmail-Fraud/Gmail-Complaint ). I pleaded with him to drop these fraudulent charges because they were not made by me. I also insisted he continue to complete his own investigation of these charges. He has placed my case on the back-burner and I have not heard from him, unless I am reaching out first. XXXX deleted this off my credit report. XXXX has not. Since XX/XX/year> I have had my name changed, I have bought a new XXXX XXXX and traded in the XXXX XXXX. The XXXX XXXX was the vehicle that was stated to have benefited from the {$1400.00}. This account continues to bring down my credit score each time the investigation ends. They are requesting I pay back the amount on the card with interest. I refuse to pay a charge I did not benefit from or authorize.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (MS)

There is a fraudulent charge on my Capital One XXXX credit card from XXXX posted on XX/XX/19 in the amount of {$85.00}. Originally, showed purchase date of XX/XX/19. 

Called XXXX on XX/XX/19 to report the charge as fraudulent. However, CSR XXXX informed me that she did not believe it was fraud after asking a couple of questions, but not performing a formal investigation. Also, was informed that the card was present at the time of charge. How is that possible with an online charge? Would like a receipt of what was purchased and what address it was shipped to since I logged into my XXXX account and there is no history of this purchase. Also, closed the card number ending in XXXX. Duration 20 minutes. 

Also, on XX/XX/19 there was a charge of {$100.00} from XXXX. Would like to formally report this as fraudulent, too. However, since XXXX issued a credit in the same amount on the same day effectively zeroing this charge, it makes this fraudulent charge moot, but would like it to be documented as fraud. 

Called XXXX on XX/XX/19 to check the status of the fraudulent charge of {$85.00} The CSR ( name? ) informed me that the charge was not showing since I reported it the day before and nothing else needed to be done. Duration 12 minutes. 

However, I logged into my account on XX/XX/19 and the {$85.00} charge has been moved from Pending status to posted on XX/XX/19. Therefore, since after two repeated attempts to report this fraudulent charge via telephone has not removed it from my account, I would like to invoke my rights under the Fair Credit Billing Act to formally notify you of the fraudulent charge of {$85.00} and request that it be removed from my account. 

Also, mailed a letter describing all of these actions via USPS certified and return receipt on XX/XX/2019. It was delivered to Cap One and signed for on XX/XX/19. The Number is XXXX. 

Logged into my Cap One account this morning and the {$85.00} still remains, and I have not received any correspondence from Cap One acknowledging receipt of my letter.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number XXXX. 

Account Name : XXXX Account Number XXXX
Consumer complaint received 2024-09-03
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 (CA)

Filed a dispute with XXXXXXXX XXXX  for a defective dishwasher. Case # XXXX in the amount of {$850.00} on XX/XX/year>. XXXX 's issued a credit but when company sent in proof of purchase, it added the charge back to my account. I am not disputing the purchase, but the fact that the dishwasher does not dry at all and I have repeatedly tried to work with company. They sent replacements which were damaged and I have returned them and provided proof of return to XXXX XXXX  The merchant has violated the terms and conditions of the sales agreement by first sending a defective dishwasher that does not perform basic functions and then again by sending damaged replacement.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX
Consumer complaint received 2018-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXXXX/XX/XXXX5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9.XXXX XXXX ( 2 )XX/XX/XXXX10.XXXX  XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX12. XXXX XXXX XXXX XXXX ( 5 )   XX/XX/XXXX, XX/XX/XXXX13.XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX  XX/XX/XXXX15. XXXX  XX/XX/XXXX16 XXXX XXXX XXXX  XX/XX/XXXX17. XXXX XXXX  XX/XX/XXXX 18. XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CA)

so recently i have had a amount addede to my credit repport, i have no idea what is pretains too ... i havent recieved any information of how or why this was added nor a chance to dispute it or make my case. if this is about a problem with a place i stayed at last for taking my whole big deposit and trying to charge me for unkown reasons that was noit on the lease, or for items the owner left. i said i would fight it in court ... i did not hear anything not even a court date was brought up. so i am assuming this may not be it. but i have no idea because i was not sent anything. they have failure to provide written notification of debt. the company is hunter warfield inc.
Consumer complaint received 2024-06-06
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not requested any credit this year with those banks, at the same time I have been a victim of fraud, so at that time I had a fraud alert that these banks ignored
Consumer complaint received 2024-09-03
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)

Dear Debt Collector, I recently received a debt collector 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 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 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.

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

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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

On XX/XX/year>, I attempted to authenticate my Equifax account. Despite following all provided instructions, including submitting my drivers license and a photograph of myself, the authentication process failed. As a result, Equifax requested additional documents and information which I believe are unnecessary and burdensome, considering there is no suspicious activity on my account. 
I have spoken with two customer service representatives and a supervisor at Equifax to resolve this issue, but I have not received any assistance or satisfactory explanation for the authentication failure. Instead, they continue to insist on additional documentation, which includes information related to a credit report freeze. However, my credit report has not been frozen, and there is no relevant information or reason for Equifax to take such measures. 
Furthermore, Equifax refused to put in a work order for my account to resolve the issues with their online portal. This refusal has left me unable to access or manage my account, causing significant inconvenience and stress. 
I am concerned that Equifaxs handling of my account and their verification process may be violating my consumer rights. I am requesting the CFPB to investigate this matter and to assist in resolving my issue with Equifax promptly.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I submitted a fraud claim for XXXX charges on my account, ending in XXXX, connected to debit card ending in XXXX. They declined the initial request, and my checking account XXXX is now negative {$1700.00} dollars. Im requesting they reinvestigate and approve my claim, reverse adjustments made to the account, and apologize for the inconvenience as well as deposit {$1000.00} dollars for my inconvenience.