davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-17
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2024-09-03
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. (FL)

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 : XXXX  Account Number : XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX, XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX :
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)

After the complaint that was send them and the complaint file with CFPB the Credit Agencies. Equifax has now told me as the Beneficiary to XXXX XXXX XXXX XXXX : XXXX XXXX the account is victim of Fraud or Identity Theft.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
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. (CA)

Hello I am writing to you because I got a email stating there was an inquiry made on my credit file, I have place a fraud alert previously because they tried to do this before too, PLS REMOVE XXXX XXXX XXXX XXXX XXXXXXXX I HAVE NEVER APPLIED NOR GAVE ANY INFORMATION TO XXXX XXXX AND KEEP MY INFORMATION VERY PRIVATE FOR REASONS LIKE THIS PLESSE REMOVE THIS FROM ALL XXXX BEAURUS ASAP
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

RE : Dispute Regarding Inaccurate Charge-Off Account on My Credit Report I am writing to formally dispute an inaccurate charge-off account appearing on my credit report from XXXX XXXX, which I received on XX/XX/year>. The account information in question is as follows : Account Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> This information is inaccurate because the account was included in the error.I request that you investigate this matter thoroughly and remove this inaccurate information from my credit report within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 
Please notify me in writing within 30 days of the results of your investigation. If you find the information to be inaccurate, I request that you update my credit report and provide me with a copy of the revised report.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (IN)

HEADWAY CAPITAL HAS PLACED A DEBT ON MY XXXX REPORT AS OF XXXX OF XXXX  FOR THE AMOUNT OF {$95000.00}. I HAVE FILED A POLICE REPORT ON XX/XX/year>. AND ALSO MAILED AND OPEN AN INVESTIGATION WITH XXXX FOR XXXX XXXX WITH XXXX. I NEVER APPLIED FOR THIS LOAN WITH HEADWAY CAPITAL IN PERSON OR ONLINE FOR ANY AMOUNT. I HAVE BEEN DISPUTING THIS DEBT WITH HEADWAY XXXX XXXX XXXX FOR THE LAST 8 MONTHS. PLEASE INVESTIGATE AND DELETE THIS DEBT WITH HEADWAY CAPITAL OFF OF MY XXXX CREDIT REPORT
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for a Delta Skymiles American Express in XX/XX/XXXX. I was immediately approved for a {$10000.00} limit with a rewards bonus of XXXX miles if I spent {$3000.00} in the first three months. I was vacationing at the time so I spent {$3000.00} in the first month. I still had not received the bonus miles so I contacted American Express today. The representative told me that upon research I did not qualify for the bonus due to misuse of the rewards program and having too many Amex cards. I have one American Express dating back to XXXX. Amex states they sent me communication in regards to the decline of the rewards but I did not receive any communication from them regarding this matter. I could have put the $ 3000+ in purchases on another credit card that honored their rewards program instead of Amex.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

Concora credit has been taking payments from me 3 weeks after I make the payments. They also scam by hiding previously set payments making you think you never scheduled one in the first place. Forcing me to schedule another payment only to then take both payments at once. This is illegal and intentionally deceptive. If I have a previously scheduled payment there should be a tab that shows my payments and when they will be deducted. All of a sudden with the new ownership of these credit cards by " concora credit services '' they now hide your previously scheduled payments making you think you never made one so they can take even more money from you. Milestone and Indigo credit cards are the culprits.

Example XX/XX/XXXX Indigo credit card showed no scheduled payments, so I made another so not to obviously miss a payment just for them to take both payments out of nowhere and suddenly my previously scheudled payment shows up. 

When I call them to dispute they have a bunch of XXXX XXXX who could care less about my financial situation and all they can do is put me on hold laugh amongst each other in the back ground, transfer ne around from department to department and waste my time just to say they can not help because the payment has already went through! This is so infuriating and these companies outsource their workers to avoid accountability. 

Malpractice, scam, horrible customer service, condescending work force, XXXX  work force who do not care about Americans so they see no incentives to help us.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2024-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (OH)

I followed a link Keybank emailed offering a {$300.00} bonus for opening a checking account. I opened the account and received notification that I would get my debit card in the mail. I never received anything, and my opening deposit was never deducted from my banking source. Now I am receiving statements monthly. I contacted Keybank but they will not give me any information and insist I must come into a branch. I asked to have the account closed and was told I would have to come into a branch to close it. This makes no sense to me since I was able to " open '' the account without coming into a branch. 

I have also been unable to create an online banking account at www.keybank.com stating unknown errors. 

I'm attaching all of my email correspondence with Keybank as well as a letter I sent them in XXXX. At this point, I just want the account closed.
Consumer complaint received 2024-06-19
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)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
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. (FL)

XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX D.O.B : XX/XX/year> SSN : XXXX TO Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. Given 15 U.S. Code 1681. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are is proof of fraudulent activity.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a c
onsumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report, and I am like to invoking my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards. 

You will see proof attached that my data was breached on XX/XX/XXXX, a XXXX XXXX by the name of XXXX posted a database entitled National Public Data on a dark web forum, claiming to have the personal data of XXXX XXXX people, according to the complaint filed Thursday in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Florida, which said the group put the database up for sale for {$3.00} XXXX. This type of reporting by the credit agency is not factual, full or missing information, and NOT constitutional. Please see to it that these three agencies remove all negative reporting from my credit report as I have stated below and on all three letters to XXXX, Equifax, & XXXX.
Consumer complaint received 2024-06-17
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-19
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)

I acknowledge your efforts to remove some of the fraudulent information from my credit file that resulted from an alleged identity theft. However, I have noticed that there are still items left on my report that need to be removed immediately. As per the Fair Credit Reporting Act ( FCRA ) section 605, you are required to remove the items listed in the ID THEFT REPORT # XXXX. I have included this report in my previous correspondence and am including it again with this letter. Please note that you have 4 business days to remove the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. Please conduct another investigation and remove the remaining fraudulent items from my credit report immediately. I request written confirmation once the corrections have been made. Please help me remove these fraud items in my credit file immediately : XXXX XXXX {$5400.00} ; XXXX XXXX {$10000.00} ; XXXX XXXX {$3700.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.