davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2023-09-30
Product: Credit card — Store credit 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: CITIBANK, N.A. (NJ)

While reviewing my bank statement on XX/XX/2023, I discovered that XXXX XXXX XXXX used the Home Depot credit card to buy gift cards and items not utilized in the project without my authorization. 

XXXX XXXX did nothing correctly at the house and didn't repair things. I am providing evidence such as an inspection report made by an inspector with letterhead and an inspection letter explaining in detail line by line that the XXXX did not do or finish anything, or any other documentation supporting my claim. 

The only items that were utilized were the ones ordered online and picked up by XXXX XXXX. These orders are order # XXXX, # XXXX, # XXXX, # XXXX, ORDER # XXXX He spent {$1600.00} on items and gift cards that were not utilized at the project since he did not repair or do anything. I reached out and initiated a dispute for these charges and Home Depot Credit Card support said that the expense was on me since I was the one that gave him the credit card to use. I explained to them that I was a victim of a scam and unlawful business that did not deliver the service and I was willing to provide evidence that supported my claim but they did not provide any flexibility for me to present my documents and support the dispute. I told them that I thought they offered consumer protection under regulation E since I was tricked and induced to pay for material or services that were not delivered still they did not reimburse the {$1600.00} funds. 

XXXX XXXX has criminal records I found out everything after the facts and it is very unfair for XXXX XXXX not to give the chance to support my dispute by showing them public record that shows this XXXX has a criminal record for fencing and stealing.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AZ)

I made several payments to XXXX and they " lost '' the money, however recently they tracked it into the " Mr. Cooper '' area. Mr. Cooper claimed they never received the money and I attempted to contact them via telephone and all they will let me do is to run in circles in their answering system. They have charged me late fees and threatened to take my house. I NEED MY MONEY BACK.
Consumer complaint received 2024-06-28
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. (GA)

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 Bankruptcy 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 2024-10-25
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. (NV)

XXXX XXXX as XXXX XXXX has repeatedly reported incorrect credit reporting on all XXXX bureaus about my credit with them. From XXXX to XXXX this account was under investigation, constant dispute with payments and I currently have an active civil case with this company. All credit reporting should be " XXXX  '' they reported 120 days late in XXXX and XXXX incorrect as they received {$3500.00} payments for months XXXX, XXXX, XXXX and I have reported as incorrect and disputed it, all other months bear XXXX  as shown. 

Company should correct this my score went from XXXX to XXXX and now XXXX very low. There was no late payments EVER, payment was made as agreed under loan modification partial payment as agreed. Why is XXXX, XXXX, XXXX, XXXX reported as XXXX and just XXXX and XXXX reported as 120 days late each month incorrect! This company does not do anything with fiduciary duty in mind very vindictive company. Please correct remove all late payments from all XXXX credit bureaus as information is incorrect.
Consumer complaint received 2024-06-28
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-06-28
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. (KY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-06-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-10-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

I'm writing to dispute inaccurate information regarding a closed account that appears on my credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The specific account in question is as follows : - Account Name : XXXX - Account Number : XXXX - Disputed Item : Account status showing as Closed and incorrect balance - Reason for Dispute : Account closed inaccurate balance debt validation was not confirmed by creditor. I believe this information is inaccurate because the furnisher has provided inaccurate information and has written the debt off hat support my position. The original creditor is no longer in business and debt was purchased by XXXX XXXX XXXX. The furnisher has not debt validation with detailed billing charges and service agreement from original creditor. I request that you investigate this matter promptly. According to 15 U.S. Code 1681i, you are required to investigate my dispute within 30 days of receipt of this letter. Please correct or delete the inaccurate information and provide me with a copy of my updated credit report. Furthermore, under 15 U.S. Code 1681s-2, I request that you notify the furnisher of the information about my dispute and ensure they conduct their own investigation and report back to you with their findings. Please confirm receipt of this letter and inform me of the steps you will take to investigate and resolve this matter. If you have any questions or need further information, please contact me via email at XXXX. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-01
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. (NY)

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX Recovery Associates Account # XXXX Recovery Associates Account # XXXX Funding Account # XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy . 
15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need Reference # XXXX and Reference # XXXX and for claim number XXXX for {$150.00} and for claim number {$150.00} XXXX I need it to be reopen or reinvestigated or investigate or make into a new dispute and investigate again or give me one-time credit for it for both payments for {$150.00} for a total of {$300.00} with any other fees need to be credit back to my account because I have withdraw {$50.00} for both payments not {$150.00} for both of them My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I did a promotional balance transfer to XXXX AMEX  I want to say in XXXX or XXXX. The expiration on said promotion ended XX/XX/XXXX. I have also recent purchases on same card. I've been making payments for years on current purchases however never once did they apply any said payments to balance transfer. Fast forward to XX/XX/XXXX I decided to call XXXX AMEX and pay entire amount of promotional balance transfer before expiration was helped promptly and thought everything handled. Then statements were released and they applied the entire {$4000.00} to entire balance which went to recent purchases and knocked off only {$15.00} bucks of balance transfer so therefore to collect higher interest! I have proof that they never once applied any payments to balance transfer then all of a sudden when I call to pay entire balance transfer they only apply XXXX dollars on it? Makes no sense. Tried to escalate by phone and gave me run around
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This should be removed as of XX/XX/XXXX and it is still showing as of XX/XX/XXXX XXXX XXXX XXXX XXXX {$5200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$5200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$5000.00} from XX/XX/XXXX to XX/XX/XXXX month and year this item will be removed XX/XX/XXXX Payment History
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I couldn't stress enough how important my credit score is to me, it's almost been a year that I have been trying to fix errors reported on my credit report. These errors caused detrimental effects on my financial freedom and my overall well being.
Consumer complaint received 2024-10-16
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHRORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (IN)

I need to be Free and Clear of CPS. DEBT DUE TO XXXX FAILING TO DECLARE MY XXXX XXXX XXXXXXXX XXXX RECALL. THE ENGINE STOPPED ALONG WITH BAD TIRES, BRAKES, CAPIBLER, ALIGNMENT, CAR OUT OF CONTROL, REFUSE TO FIX UNDER WARRANTY, WHEEL BEARING.. YOU NAME IT! 
I HAD TO TOW IT BACK TO DEALERSHIP AT XXXX XXXX XXXX LOCATION OFF XXXX XXXX XXXX ALL PPL INVOLVED FROM SALES TO BANK HAVE ALL HAVE BEEN A TOTAL COVER UP.. I DID HEAVY RESEARCH AND FOUND PROOF OF NEGOTIAGTE
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (IL)

On XXXX XXXX an unauthorized account was opened in my name and closed on XXXX XXXX in the amount of {$3400.00} from the company of SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I paid off these accounts and they are still reporting on my credit report. 
Capital One Account # XXXX Capital One Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX