davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I tried to dispute incorrect information on my profile with XXXX and equifax because my credit reports do not coincide with one another and also has inaccurate information. There are a bunch of hard inquiries on both reports that are not accurate and needs to be deleted. Under 15 U.S. Code 1681 I am fully entitled to a fair/accurate credit report and the bureaus have the obligation to provide the necessary documentation proving the accuracy of the items. Neither bureaus have fulfilled there obligation in providing that information. I managed to get rid of hard inquiries with XXXX that were inaccurate information but XXXX and equifax refused to assist with the situation.
Consumer complaint received 2024-07-21
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. (MO)

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 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

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 three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-07-21
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. (MS)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-21
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. (OK)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-21
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)

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 2024-07-21
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have had this credit card for over ten years. A Capitol One Visa Credit Card. 
The Credit Card will not lower interest rate on my card. The Credit Card Company will deliberately not increase my credit limit and then spends the next year degrading my credit card usage. I get stupid emails saying " your over your credit limit make a payment ''. I check my credit report and the report says my credit usage in too high????

There are no late payments in the past 5 years. I make {$1000.00} payments on this capitol one credit card. When I call, my call is passed around or a strange voice on the other end that has a XXXX  accent??? 
I am tired of this illegal nonsense. I want to press charges on Capitol One. I have never dealt with a credit card company that wants to give a customer a hard time that makes them money. I am paying 26 % on one Capitol One Credit Card and 30 % on another Capitol One Credit Card. I am tired of the abuse and fraud from Capitol One. 
I still feel good about myself despite the companies efforts to constantly harass me about over use of a credit limit?? Why not increase my credit limit like I requested?? They want to trash my character and make me feel stupid and ugly. 
Capitol One should be put in prison for life. I am a XXXX with XXXX XXXX and several other health issues. They are too XXXX personal and only out to trash my credit and good name.
Consumer complaint received 2024-07-21
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)

Dear Consumer Financial Protection Bureau : I am contacting you regarding my the credit reporting bureaus Equifax, XXXX and XXXX regarding my credit reports. I unfortunately, learned about several accounts that is on my credit file that I have no idea of. I have NEVER opened any of the mentioned accounts and I was a victim of ID theft and asking that they BLOCK/DELETE and remove the accounts to discontinue tarnishing my credit. I have included my FTC Report listing the accounts and account numbers. I HAVE REQUESTED EACH DATA FURNISHER TO PROVIDE MY ORIGINAL APPLICATION AND I RECEIVED NO RESPONSE. 

XXXX XXXX  XXXX  XXXX  AND HAVE BEEN OVER 7 YEARS PLEASE DELETE XXXX {$330.00} XXXX XXXX XXXX ID THEFT # XXXX {$990.00} XXXX ID THEFT {$2600.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$930.00} # XXXX XXXX  XXXX  # XXXX
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have been enrolled in autopay for my Sam 's Club MasterCard with Synchrony Bank, since inception of my membership. Synchrony Bank failed to make the autopayment for XX/XX/year> and subsequently charged interest to my account for the XXXX statement balance on XXXX for the amount of {$31.00}. Prior to the XXXX autopayment, to be processed XXXX, I contacted Synchrony Bank by phone on XXXX and was told by their agent that the interest fee had already been credited back to my account. However, it had not been and my autopayment on XXXX included this interest charge. It also is not included in pending transactions. 

Today, I attempted to use their online system, since calling customer service did not resolve the issue. After several attempts my message did not show in the sent messages folder. This has been a chronic issue with Synchrony Bank. I have made them aware of the issues with this app on numerous occasions, yet they have made no attempt to correct it. This complacency is unacceptable for any industry, but particularly disturbing when it involves a financial institution. 

On XXXX I attempted to use this card to pay for airline tickets and it was refused and my account was suspended. I called Synchrony and was told it was not their fault, but the airline told us different. XXXX XXXX requires 3rd party verification as a security precaution and Synchrony 's system is clearly not equipped to handle this. I subsequently used my XXXX XXXX card without issue. Additionally, they required me to verify all transactions that had occurred in the last several days before they would restore my account, These were all local transactions, made in my home town and were not questioned until the airline ticket incident. Synchrony Bank is a disaster.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
This account is incorrectly reporting that I have 32 late payments with XXXX. On my XXXX report there are 12 late payments being reported. Equifax is showing account past due and balance is {$0.00} Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KS)

I have an AT & T Universal Rewards Card from Citi. My XX/XX/2023 statement had an interest charge of {$30.00}, even though I had paid the balance on my XX/XX/XXXX statement fully and on time. I challenged the interest and received an update on XX/XX/XXXX that stated, " We've determined that your account is not eligible for a credit of the finance charges '' and nothing more. After I challenged my XX/XX/XXXX statement, I received an update on XX/XX/XXXX that stated, " interest charges for purchases, balance transfers, and cash advances accrue from the date the transaction is added to your balance until payment in full is credited to your account. This means that you may be assessed interest charges for the time between the date your last statement prints and the date your payment is credited to your account. Please see your Card Agreement for further information about how interest charges are calculated. '' This is not the way my account has always worked : interest was only charged when I did not pay my balance on time. I challenged my XX/XX/XXXX statement and requested a copy of my Card AgreemenXXXX. After I challenged my XX/XX/XXXX statement, on XX/XX/XXXX I received a copy. It stated, " You wont pay any interest on Purchases if you pay the Adjusted New Balance, including any Balance Transfers, plus any Citi Flex Plan Payment Amount, in full by the payment due date shown on your statement each Billing Period. We call this a grace period on purchases. If you dont pay your Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date in a Billing Period, youll pay interest on your Purchases from the date theyre posted to your Account. You also wont have a grace period on Purchases again until you pay the Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date 2 Billing Periods in a row. '' I quoted this passage in my challenge to my XX/XX/XXXX statement. I have not received a response as of XX/XX/XXXX.
Consumer complaint received 2024-07-25
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. (NJ)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Please reference CFPB Compaint : XXXX I have disputed incomplete and inaccurate information of my consumer report with Equifax for quite some time now. I have asked that this information either be fixed or deleted. After Equifax 's " investigations '' there is still inaccurate and incomplete information still being reported on my consumer report. At this point I am requesting that these accounts be deleted. I pulled a recent copy of my consumer report after their investigation and still see these errors on my report. Please remedy this issue ASAP.
Consumer complaint received 2024-09-27
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. (CA)

FCRA 605B ( 15 U.S.C. 1681c-2 ) Also, ( Requesting Method of Verification ) Dispute letter invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces Credit reporting agency to reinvestigate the items in the initial CFPB complaint and either with in 4 business days of receiving this CFPB complaint, verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at said mentioned credit bureau or delete all contested items in the initial CFPB complaint from the FICO report they maintain. Since we know the credit reporting agencies never contacted the FTC to verify the underlying facts alleged in your identity theft affidavit, failure to disclose the source of your initial verified response, and will be forced to either delete and block all contested items from the credit report they maintain or compensate you for all credit denials attributable to the contested items in question for willful noncompliance and negligent noncompliance with the FCRA.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The vehicle in question was involved in an accident that I was found to be not at fault. The car was totaled out and paid by XXXX XXXX. The information reporting to the credit bureaus is incorrect. The account should be showing as closed and the remarks are incorrect as this was not apart of a repossession. I have requested this information to be updated and removed and have had no luck.
Consumer complaint received 2024-07-20
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. (IN)

Dear Equifax, I am following up on my previous request to remove unauthorized hard inquiries from my credit report, as per the Fair Credit Reporting Act. Specifically, I am referencing the hard inquiries dating back on XXXX XXXX, under the reference number XXXX. Under the FCRA, consumers have the right to dispute any inaccurate and unverified information on their credit report, including unauthorized hard inquiries. As I previously communicated, these hard inquiries where made without my knowledge or consent and thefore XXXX holdings XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX are in violation of my rights. I have not received any response to my initial request and I have reached out to escalate for this matter to be resolved fairly. Equifax is legally required to complete their investigation and provide the consumer with results within 30 days mandated by the FCRA which never happened. By Federal law, the disputed information shall be removed immediately from a consumer report. I have sent the proper documents Equifax has asked for to get this removed and still, no change. Equifax is supposed to do their due diligence. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-20
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)

the Fair Credit Reporting Act, 15 U.S.C. 1681 ( g ) I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.
Consumer complaint received 2024-07-25
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-07-20
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)

XXXX XXXX Account # XXXX Theres inaccurate information on my credit Report by this account. The Dates are inaccurate with all 3 bureaus Last Verified Last Activity According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Im not liable for this debt with XXXX XXXX .I dont have a contract with XXXX XXXX they did not provide me with original contract as I requested. 

Correction to my credit report, I demand this account to be removed from my credit report.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX reported my mortgage account as delinquent. XXXX notified me through email that an account was delinquent and they decreased my credit score. I logged into my XXXX account and discovered that Specialized Loan Serving falsely reported my account as delinquent, and to make the matter worse, XXXX, XXXX. last reported my mortgage as paid on time in XX/XX/XXXX. Where are my on-time XXXX, XXXX, and XX/XX/XXXX electronic online bill debit XXXX payments from my financial institution? I logged into Equifax to see if the same false report was in their system, and Equifax system also showed my mortgage account as delinquent. 

Not only do I want my credit report corrected. I want my stolen credit score restored and the years of damage to my credit score restored as a on-time paying homeowner since XXXX XXXX XXXX acquired my mortgage from XXXX XXXXXXXX XXXX  XXXX XXXX about XXXX XXXX. I am missing years of good credit payment history. My excellent payment history that XXXX XXXX XXXX reported is still on my credit report up until XXXX XXXX. After that, there is a large gap of missing excellent payment reports made on my mortgage by XXXX XXXX XXXX, XXXX. I requested my payment history to be fully reported going back to XXXX to match where XXXX XXXX XXXX last reported up until the mortgage transfer. My request has been denied verbally and obviously on my credit report to this day.
Consumer complaint received 2024-07-21
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. (NY)

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX