davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
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: EQUIFAX, INC. (MS)

This is a list of all hard inquires that are reporting to my XXXX, XXXX, and Equifax which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, Equifax, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

A few months ago, I outlined several inaccuracies on my credit report and submitted a detailed list of these discrepancies. Unfortunately, the responses I received did not address all the issues, and some items were completely overlooked. 

I then submitted a reinvestigation request to you, along with direct disputes. While some issues were resolved, many remain unaddressed. Most recently, I provided the responses received from the creditors, which highlights the inaccuracies in your reporting. However, these inaccuracies have not been corrected. 

I am requesting to DELETE these outstanding issues on my credit report. It is crucial that my credit report reflects accurate and up-to-date information. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. I sent letters on XX/XX/23 and XX/XX/23 certified mail and the inaccurate information is still on my consumer file/credit report and nothing was done.
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. (FL)

XXXX is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via XXXX XXXX XXXX responses, XXXX continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to XXXX  XXXX  via the XXXX, and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. XXXX just verifies without actually looking into the situation. With all of the documentation provided, including XXXX saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated attempts to address the inaccuracies in these accounts and my requests for thorough investigations, 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 2024-06-30
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 dispute a late payment that has inaccurately been reported on my credit report. Upon reviewing my credit reports from XXXX and Equifax, I discovered an erroneous late payment listed in XX/XX/XXXX. The details of the late payment are as follows : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Status : Open/Never late Last Updated : XX/XX/XXXX Current Balance : {$450.00} out of {$5000.00} Credit Limit As evidenced by the credit report from XXXX, my payment history with XXXX XXXX XXXX XXXX indicates `` Never Late. '' However, XXXX and Equifax report an inaccurate late payment for the same period. This discrepancy is concerning as it affects my credit standing negatively despite my consistent adherence to payment terms. 

Under the Fair Credit Reporting Act, 15 U.S. Code 1681a, a consumer report is defined as a communication of information by a consumer reporting agency that bears on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Importantly, 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) specifically excludes from the definition of a consumer report any report that contains information solely about transactions or experiences between the consumer and the person making the report. Therefore, reporting information about payments, which are transactions, is prohibited if they are not accurate. 

I maintain that I have never missed a payment with XXXX XXXX XXXX XXXX, and my credit report from XXXX corroborates this fact. Enclosed with this letter are copies of relevant documents, including my Social Security card and driver 's license, to verify my information. 

Therefore, I request that XXXX and Equifax investigate this matter promptly and correct my credit reports to reflect the accurate payment history for my XXXX XXXX XXXX XXXX account. If proof can not be provided to substantiate the late payment, I demand that it be updated to reflect an accurate and timely payment history. 

Thank you for your immediate attention to this matter. I expect your prompt resolution of this dispute within the timeframe specified by law. 

Sincerely, XXXX XXXX XXXX XXXX Ensure to attach copies of relevant documents mentioned in the letter to support your dispute. This should help in resolving the discrepancy in your credit reports effectively.
Consumer complaint received 2024-08-04
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. (WI)

Hi, Trans Union is constantly violating my rights & continues to report false info on my credit report that is against the law. VIOLATION of my rights. XXXX XXXX XXXX Section XXXX A States I have a right to privacy. Also U.S.CC XXXX A XXXX XXXX a consumer agency can not furnish an account/inquiry without my written instructions. I have no protection with Trans Union, I continue to be a victim of ID theft. I did all the necessary steps to show these are fraud inquires. & the companies never verified they pulled my credit report, the companies never got back to trans union nor me. & had 30 days & therefore these fraud inquires should be removed ASAP. I sent trans union a letter, with my ID & Social S. XXXX XXXX XXXXXXXX & they still ignore & say the inquires are validated, when they are not. These fraud inquires are hurting my credit & stopping me from getting the best rates when I buy a home in the near future. I also filed a complaint with the BBB against Trans union. I appreciate Trans Union honoring my requests of immediately removing these XXXX fraud inquires : BANK 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 2024-06-28
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. (TX)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
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. (CA)

XXXX, XXXX , & Equifax are reporting several late payments that are not correct neither consumer agency can lawfully verify any late payment because it would be a violation of my privacy rights. XXXX Account # XXXX should be updated immediately. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
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. (AZ)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation. 













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Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
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. (FL)

Im in disagreement with the account listed below which still appear on my credit report, even after your investigation. I would like this immediately reinvestigated. The inaccuracies are highly injurious to my credit scoresXXXX XXXX/account number XXXX In accordance with the fair credit act, public law 91-506 title VI section 611. Provide the names and business addresses of each individuals with whom you verified the follow up. Please sed me an updated copy of my credit report after reinvestigation
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. (MI)

Several requests over the past year have been sent to have these inaccurate items removed from my credit profile. 
I have not received any response to my requests nor has anyone tried to help me. 

I am being financially injured and I need this data removed from my file immediately. 
Thank you.
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. (TX)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
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. (NC)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (NY)

I submitted a dispute to XXXX concerning the inaccurate credit limit for my XXXX account with Kikoff Lending. XXXX sent me a copy of the results of my dispute. The credit report sent to me, showed that the wrong credit limit was being reported by Kikoff Lending, or XXXX themselves. I emailed Kikoff Lending several times now with no response. Kikoff Lending has no phone number to call, so I sent Kikoff Lending, and XXXX the documentation proving that my credit limit was raised on XX/XX/. I called XXXX, and the agent said that Kikoff Lending submitted a report in response to my dispute, and that Kikoff Lending says that they are reporting the credit limit as accurate, which is untrue. I will be submitting documentation to you proving that the dispute to XXXX yielded inaccurate information. If you look at the " Historical Account Information '' from the report from XXXX, in the second box down for XX/XX/ entry it shows the correct amount, and then XXXX changed it back to the old credit limit. No other credit bureau is reporting inaccurate this credit limit wrong, just XXXX, who has a history of providing false information verbally and submitting false credit report information.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NC)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Kohls store sent me a Capital One Visa card without my consent. I had a store card in which I could use that card only at the store. I've had this card for years. Suddenly, I received a Capital one Visa card by mail for which I did not request. I called the store immediately to inquire about it. They stated that they automatically upgraded the cards to a capital one Visa card. This should not be allowed without a person 's consent. I closed the account, which I'm upset because I know this affects my credit score.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Hello, This is a response to Citizens banks letter regarding XXXX bonus for opening a business XXXX  account. 

The letter from XXXX XXXX of Citizens bank mentioned Bank records confirm you opened XXXX  account number ending in XXXX on XX/XX/XXXX. I have confirmed with our XXXX department a promotional offer code at the time of account opening was not applied to the account. Additionally, we were unable to find any valid offers for the time of account opening. 

The truth is in Citizens bank promotion page, it doesnt show any XXXX code. If you mean Citizens bank XXXXXXXX XXXX  and customers cant see, then I dont know. But I made an appointment to open a Citizens bank business XXXX XXXXXXXX  account on XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened the account for me. When I opened the account, I showed XXXX the promotion and XXXX was Ok with the promotion and made a note with that. I emailed XXXX about the bonus, and XXXX responded me on XX/XX/XXXX and XXXX, XXXX, and said that XXXX has sent inquiry about the XXXX for me. Please see the attached files. 

All this evidence indicate that XXXX of Citizens bank was aware this XXXX  and he tried to help me find out why I didnt receive it. It is not my fault that a promotional offer code at the time of account opening was not applied to the account if you have XXXX. If there is a XXXX code, but XXXX didnt apply, he would say so. 

Further, XXXX mentioned that we were unable to find any valid offers for the time of account opening. This is not true. Please see attached file, it shows that the business XXXX  promotion in Citizens bank website and promotion period is XXXX XXXX XXXX. My account was opened on XX/XX/XXXX. 

I have met all Citizens bank promotion conditions. XXXX mentioned XXXX things, 1 ) no promotion code. 2 ) no bank promotion at that time, were incorrect. Please review these facts and deposit XXXX XXXX  into my account. 


Thank you XXXX XXXX