davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (IL)

applied for Old Navy credit card at the register in Old Navy store.  Denied.  Attaced letter was sent as reason for denial....applicant reported as deceased....called XXXX  XXXX  5times, left 5 messages and call was never returned.  Called synchrony bank who verified credit was pulled but had no idea why I was denied as I have a Carecredit account currently active with them.  Couldn't explain anything about XXXX, how they work or why I was denied.  Representative told me over the phone that the attaced letter must be a scam and I should contact the social security administration to see if I've been reported as deceased. She told me Synchrony Bank has nothing to do with this and she couldn't help me.  Called SSA and everything looks fine.  I pulled my 3 credit Bureau reports same day and all looked fine that day however I'm not comfortable with XXXX  rep;orting me as deceased and Synchrony Bank telling me letter is a scam when I received it in response to their bank denying me credit for Old Navy card. ( FYI  since I checked my credit reports I see the Old Navy/Synchrony Bank inquiry has been removed).
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 


Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : Not Stated on Credit Report ) Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : Not Stated on Credit Report ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-07-31
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Request to Delete Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following incorrect item ( s ) : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the regulations outlined in the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I am aware that you are obligated to verify the accuracy of these items with the relevant creditor. Please eliminate any information that the creditor is unable to substantiate. I am aware that, as stipulated in 15 U.S.C.

Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Kindly provide an updated copy of my credit report to the aforementioned address. As per the act, no fee should be charged for this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months regarding the corrections made.

I appreciate your time and assistance in resolving this matter. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP (GA)

XXXX XXXX filed a lawsuit against me without any written notice or communication. I requested validation on XX/XX/year> by certified mail. I received response from the said attorney by XXXX mail on XX/XX/year> dated XX/XX/year> with insufficient validation. The lawsuit was filed on XX/XX/year>. The only way I found out about the lawsuit was through mailed attorney advisements, none came from XXXX XXXX 's attorney XXXX XXXX XXXX XXXX. My consumer rights have been fully violated.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

These accounts are not mine, I noticed them when trying to make a purchase. XXXX XXXX {$8000.00} opened XX/XX/2021 XXXX XXXX XXXX XXXX {$3100.00} opened XX/XX/2021 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I recently discovered that I am the victim of identity theft and have had several accounts, leases, utilities taken out in my name fraudulently. 

I learned his information after being denied for a lease due to information found on my credit bureau reports to which this account was included. I got a police report and a FTC Identity Theft report as well as medical documents detailing my complete XXXX XXXX, and information on the perpetrator of the fraud, this was furnished to each of the credit bureaus when obtaining my initial fraud alert and issuing security freezes. I was assured they would block this information from appearing on my report and furnish the businesses with this information so they could take appropriate actions for their companies. 

All went well until recently when XXXX XXXX  decided to assert their right to " reinsert '' information back onto my credit bureau reports stating they had verified the account. I asked both the credit bureaus and XXXX XXXX  for the documentation used to make this determination, but was told the investigation was done and they could provide no further assistance save for a 100 word consumer statement. 

This account is having serious, detrimental effects on my life. Just taking my immediate situation into account, I am currently unable to obtain housing because of the detrimental payment history and balances created as a result of this identity theft event. After furnishing medical records showing my complete incapacitation, documents from law enforcement, namely a police report and FTC Identity Theft report, and information on the identity of perpetrator and their incarceration I simply can not accept a 100 word statement for an account I did not open.
Consumer complaint received 2024-07-31
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)

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, ACCOUNT NAME : XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX IN COMPANY ), 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

In violation of 15 USC 1666b, this company is maliciously reporting false late payment information to my alleged consumer report ( s ). According to Federal law, no creditor may treat a payment on a credit card under an open end credit plan as late for any purpose. Pursuant to 15 1605a, the finance charge is the sun of all charges in an open end credit plan. This means the account is prepaid.

15 USC 1681a concludes that a consumer report shall not include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear XXXX XXXX, I hope this message finds you well. 

I am writing to bring to your attention a matter concerning my Capital One accounts and to seek your assistance in resolving it. Over the past few days, I have been in contact with your customer service representatives regarding the 6-7 credit cards I hold with Capital One. I have been a loyal client since XXXX with a consistent payment history. 

Recently, while discussing my finances with my finance manager in preparation for purchasing a family vehicle, I discovered that 5-6 of my active Capital One Credit Card accounts were marked as late for XXXX and XXXX of this year XXXX. Additionally, an account from XXXX that was closed during the pandemic and subsequently charged off was also reported as late, despite being settled with your team and assured that it would be removed from my credit report. 

The primary issue seems to stem from a possible miscommunication or delivery issue with my statements. I recently moved from XXXX, MA, to XXXX XXXX XXXX, XXXX, MA, and I have not received statements for several months. Additionally, I encountered issues with my XXXX XXXX  account due to fraudulent transactions, which led me to transfer my accounts to XXXX. 

I have always taken great pride in paying my bills promptly, and this situation is causing significant XXXX. I believe the late payments might be a result of not receiving my statements and other related banking issues, including a recent medical emergency. 

I have already addressed the overdue payments with your customer service team. Given my longstanding positive relationship with Capital One, I kindly request that you review this matter and consider removing the late payment marks from my credit report. Additionally, I would appreciate it if any late fees assessed could be refunded. 

I value the positive experience I have had with Capital One and hope to continue this trend. I would be grateful for your assistance in rectifying this situation and ensuring my credit report accurately reflects my creditworthiness. 

Thank you for your attention to this matter. I look forward to your favorable response. 

Best regards,
Consumer complaint received 2024-08-01
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. (IA)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX  - XXXX - The Equifax data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX  - XXXX - The Equifax data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXX XXXX  - XXXX - The Equifax XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXX XXXX  XXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have XXXX accounts ( XXXX XXXX balance : {$3400.00} status : Closed account # XXXX ) and ( XXXX XXXX XXXX : {$10000.00} status : Closed account # XXXX ) on equifax that are on my credit report that keep reporting late. This XXXX accounts was included in my bankruptcy and was discharged. The last reported was XX/XX/year>. For about last 3 year the have been reporting me late. My bankruptcy was discharged and XXXX financial was in the discharge records.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}
Consumer complaint received 2024-08-22
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. (MI)

Submitting a dispute for the inquiry for company XXXX XXXX. The credit file shows that their was an inquiry as of XXXX XXXX. I did not authorize an inquiry for this date and request that this information that is being inaccurately reported be removed from the consumer file and report. I would like after that an update of the updated credit report be sent by email and the credit score is successfully updated to reflect the change. 


Thank you.
Consumer complaint received 2024-10-29
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. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-08-22
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. (AL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-01
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. (AL)

I am writing to express my deep concern regarding the disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file, hindering my ability to manage my financial affairs, and impacting my daily life. The negative consequences of these inaccuracies have caused immense hardships, leaving me no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request that a comprehensive investigation be conducted into the reporting of each disputed account. It is imperative that the necessary steps are taken promptly to update and correct my credit report. Your immediate attention to this matter will help restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action. Your cooperation and support in resolving this matter promptly will be greatly appreciated. 

Thank you in advance for your understanding and assistance.