davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My credit was denied based on the inaccurate information deriving from Experian that has caused a issue with XXXX XXXX in XXXX this year. XXXX bank. And XXXX bank all need to be notified to prevent claim and adhere to the law to provide me credit upon my applications. Without another inquiry.
Consumer complaint received 2024-07-28
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. (PA)

I sent a dispute via mail to the credit agencies and it looks like they did not process my dispute. Unfortunately I didn't send it certified mail as I didn't believe I needed to. The dispute was about a charged off account that wis reporting inaccurately on my reports. Additionally, the information is incomplete. See attached. For those reasons I believe that the information is also unverifiable. Pursuant to section 611 ( a ) ( 5 ) I am demanding that the credit reporting agencies deletes the account from my report immediately.
Consumer complaint received 2024-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I opened a Kids Savings Account at Capitol One. I then transferred my kid 's money from his XXXX Savings Account to the Capitol One account in the amount of {$850.00} on XX/XX/year>. 

The money was received at Capitol One and shows in my transactions on XX/XX/year>. However, on XX/XX/year>, there is a reversal on the full amount so that the money looks like it is transferred back to XXXX. 

No money arrived back at XXXX and now both bank accounts are at {$0.00}. 

I called Capitol One to discuss this transaction on XX/XX/year>. The customer representative kindly submits a claim ( XXXX ) regarding this transaction. The claim was denied on XX/XX/year> with the explanation that " You received a full credit from the merchant ''. This is not true and both of my kid 's accounts remain at zero balance.
Consumer complaint received 2024-07-28
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. (CA)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

My auto loan XXXX with XXXX XXXX has been with this bank for the last few years. I have reached out to inquire why my personal credit report is not showing any balance update or On-time payment history since XXXX of XXXX. I have simply been directed to submit a dispute via reporting agencies vs a direct answer from the bank. The NON updated information has affected my personal credit score as my credit utilization is inaccurate and payment history which has resulted in an inaccurate score and led to less likely approvals for any credit applications. I would like for XXXX to promptly correct said information.
Consumer complaint received 2024-07-28
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 U.S.C 1681 section 602 A. States I have rights 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 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX C - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Once you have deleted the hard inquiry from my credit report, please send me a copy of my uploaded report.
Consumer complaint received 2024-09-26
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. (FL)

Upon checking my credit report I have discovered a few fraudulent hard inquiries, the inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-10-30
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. (PA)

This morning, I noticed unauthorized inquiries on my credit report that I can not explain. I checked as usual and was surprised to see discrepancies. I refreshed my browser, hoping it was a glitch, but the inquiries remained. I am deeply frustrated and urgently request a thorough review of the documents I've sent so that I can put this matter to rest for good.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, Equifax, and XXXX to XXXX information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. A student loan account opened at XXXX department of education on XX/XX/XXXX, under account number ( XXXX ). 
XXXX student loan account opened at XXXX department of education XXXX XX/XX/XXXX, under account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer XXXX  credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My identity has been compromised since the year 2019. The thieves used my stolen information to open a credit card with XXXX XXXX XXXX. I have never had any financial relationship with XXXXXXXX XXXX. This negative information is drastically hindering my ability to obtain credit.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One - XXXX  and XXXX XXXX credit card I have checking, savings ( XXXX savings accounts ), and credit cards with capital one - I have been with Capital One checking savings for XXXX years. I liked the convenience of having everything under Capital One 's roof. 

I received a 0 % balance transfer from Savor - my XXXX credit card had a XXXX balance. I transferred XXXX to the XXXX card ( my credit limit is XXXX ) in late XXXX XXXX ( XXXX percent interest rate for XXXX year ). The XXXX credit card had not been used in a while ( XXXX balance on this card ) - I forgot that I had paid off the balance in full, which draws from my capital one checking account. I did not have enough in my checking account to cover the balance- it was rectified the next day. I received 2 letters in the mail stating that my XXXX and XXXX XXXX credit card activity is not consistent with our expectations of usage and violates the Capital One customer agreement. My XXXX XXXX had a {$290.00} balance with an automatic payment set-up. I have never missed a payment and have since paid this credit card off entirely. 

I called Capital One - the first person I spoke with told me I was charged with first-person fraud ; I had never heard of this and asked them to explain, which they could not. I had to XXXX it. The second person I spoke with stated it WAS NOT first-person fraud- it was company policy, and it was in my best interest to pay it off in full. The third person I spoke with could not tell me anything at all- they stated it was just company policy and they couldn't do anything about it. To recap, no payment is due on the XXXX account ; the transfer is less than 60 days old. 

I then went to Capital One Fraud Department, who told me they were just being honest with me - that Capital One had charged me with first-person fraud, it would impact my credit score, and it was in my best interest to pay it off. 

I have no recourse - no ability to dispute this charge, there is no one left at Capital One to discuss this with, and my XXXX and XXXX XXXX accounts were closed. I am now nervous about what power this company has over my banking/savings accounts. I will be moving to another provider and learned lessons about putting everything under one banking company. 

Is there any assistance or advice? I have good credit, make on-time payments, and have over a decade 's worth of Capital One data/history with this company. I am so confused about how I am charged with first-person fraud. 

Capital One has taken my credit cards and my credit score hostage and has told me that it is in my best interest to pay this off ASAP. Once again - I just transferred this late XX/XX/2023, and it is XX/XX/2023. This can not be legal, and I need to understand my rights. 

Please help!
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 has violated my rights. Or 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 2024-07-28
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. (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 : XXXX XXXX XXXX : # XXXX Account : XXXX : # XXXX Account XXXX : # XXXX Account : XXXX : # XXXX 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. 

I have already submitted several complaints through Equifax, XXXX, and XXXX and all came back verified but there are still differences in date accounts were open, last reported, and last payment. All three Credit Bereaus can not be right if there are differences amongst the three. 
XXXX also failed to update credit report to reflect settlement payment arrangement made in XXXX. 
XXXX XXXX XXXXXXXX Reporting different dates in which account was open across Equifax, XXXX, and XXXX. In addition some of the payments listed late was during a forbearance period. 

XXXX agreed to " pay to delete ''. Since I paid the balance owed to XXXX, under the pay to delete agreement, account should've been fully deleted from credit report.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Recently Checking my credit report i noticed that i have been a vicitim of identity theft and found numerous credit inquiries i no knowledge of here arethe inquiries that i have found XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, please remove and dispute listed fradulent inquiries from my credit report thank you
Consumer complaint received 2024-09-07
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)

To my complete surprise, I found errors on my credit report this evening, and I cant figure out how they got there. I check my report often, but this time, there were these sudden discrepancies. I thought maybe it was a browser issue, so I refreshed it, but the inaccurate accounts stayed. I'm asking for a detailed review of the documents Ive provided so I dont have to face this problem in the future.
Consumer complaint received 2024-09-07
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. (NY)

I have been a victim of XXXX XXXX. I have given XXXX XXXX XXXX the authorization to communicate with you on my behalf regarding my case. I am a victim and I hate that I must relive this moment of XXXX XXXX. It replays over and over in my head, and it is causing major distress to me. Especially as it is ruining my credit in the process. 
There is information on my credit report that requires blocking and I hope that by adhering to 12 C.F.R. 1022.142, 22 U.S.C. 7102 ( 12 ) and 22 U.S.C. 7102 ( 11 ), you take this matter seriously or you will be in violation of many of my rights as a consumer. This account on my credit report with the information listed below is an unjust financial obligation and does not belong to me and I am not liable for it. I have attached all necessary documentation. Again, this documentation is coming from me and only me, XXXX XXXX, as the consumer. I am an XXXX veteran, and I would hope that you take this matter seriously. Please contact me if you feel the need to, however, a fair resolution would be for you to remove this account from my credit report as it is in violation of my rights and I am not liable for this debt. 
Additionally, this account must be removed as it relates to 15 USC 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. This account has not been validated and is misleading and false reporting failing to comply with 15 USC 1681. Please have it blocked from my credit report within four business days. 
Information needing blocking from my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/2014 balance : {$14000.00}
Consumer complaint received 2024-09-07
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. (DE)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late, 'Thanks! Please see screenshot attached.
Consumer complaint received 2024-09-26
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. (NC)

I checked my credit report there was fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax 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
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax - The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2024-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.