davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. Equifax have violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 ; I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts 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
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

I have a capitol one credit card to buy in walmart. I made payments every months, in XX/XX/XXXX Capitol One charged me additional {$28.00} as a late payment fee when the payment was made XX/XX/XXXX. They also required to registered a bank account to managed the payments online and there no other option to not store my banking account information. The late payment fee imposed as a penalty to make a less than 24 hrs the psyment that in the begining payment days were 16 each month the fees is severe and abusive, they imposed those {$28.00} chaeges and increase my debt to {$290.00} that is the limit of the credit. I would like that they removed illegal late payment fees charged to my account because I have registered my bank accounts and the payments were made each month. I am in a transition from one work with XXXX XXXX XXXX   to another with XXXX  XXXX, XXXX  as a XXXX XXXX woth a pay scale salary of XXXX XXXX, and I'm in a relocation for work process from XXXX  to XXXX, by the way Capitol One did not imposed {$28.00} charges as a late payment fees in XX/XX/XXXX and it is not fair, that they charged when survivors are still dealing with disasters events. They did not protect customers accounts, in XX/XX/XXXX someone tried to charged my credit card with a walmart membership and it was not me, 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 And I knew because I received a text with declining transaction because my card was at that time at limit credit. But I made payments in XX/XX/XXXX and XX/XX/XXXX and the debt amout dropped until Capitol One imposed me late fees charges.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I woke up to an email saying that my name and phone number had been used for a Capital One Credit card. I dont have a capital one credit card. When I called capital one, they want my social security phone number which I dont feel comfortable giving.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Yamaha Motor Finance Corporation USA (TX)

XXXX XXXX is misreporting my loan from 2018 as being late. This was discharged in bankruptcy and it seems the group that managed my loan no longer exists. The reported phone number on my credit profile does not function. The old payment portal https : XXXX does not function. Calls to them show its no longer a working number. It should have aged out by now, but it does not. All other accounts have disappeared from that era including other vehicles. 

The late reporting was a violation of the automatic stay from the bankruptcy case and I have spent this entire time trying to get it removed only for the credit bureaus to pretend to investigate it falsely.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (CO)

Dear Sir/Madam, I am writing to dispute inquiries on my credit report that were made without a permissible purpose. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau may only provide information about an individual 's credit report to individuals or entities with a permissible purpose, such as lenders, employers, or insurers, among others. 

I have reason to believe that the inquiries on my credit report were made without a permissible purpose, as the individuals or entities that requested the information did not have a legitimate reason to do so. This is a violation of my rights under the FCRA, and I am requesting that the inquiries be removed from my credit report immediately. 
XXXX XXXX XXXX XX/XX/XXXXXXXX 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 I would like to remind you that as a credit bureau XXXX you have a legal obligation to ensure that the information in my credit report is accurate and up-to-date. If the inquiries were made without a permissible purpose, they are not accurate and should be removed. 

Furthermore, I would like to request a complete copy of my credit report, including all inquiries made within the past year. I believe that this will help me identify any other instances where my credit report was accessed without a permissible purpose. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-11-01
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX  : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of 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 XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX According XXXXo FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

( I HAVE NOT BE ABLE TO OBTAIN A VALID CREDIT SCORE IN OVER 60 DAYS FROM YOUR COMPANY or any other bureau AND I PAY A MONTHLY MEMBERSHIP WITH YOUR COMPANY to have access to all of my credit scores )
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXX # : XXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
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. (FL)

Subject : Response to Dispute Results Regarding Inaccurate Credit Reporting Dear Equifax Customer Support, Thank you for your response and for completing the investigation regarding my dispute. However, I would like to address a few concerns related to the outcome you provided. 
Verification of Information : The notification states that the Attorney General-Child Support has verified the accuracy of the information reported. However, it is not clear what steps were taken to validate this, nor has sufficient documentation been provided to support the claim that the reported information is correct. I am requesting that you provide a detailed explanation of how the verification process was conducted, along with any documentation the furnisher provided to confirm the reporting. 
Accuracy of Reported Information : The fact that certain fields, such as the balance, past due, high credit, and others, have been modified, raises additional questions. Please clarify what specific changes were made, and how these changes were confirmed to be accurate. 
Right to Further Investigation : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough and complete investigation of disputed items. If the provided response is not sufficient to demonstrate that the reported information is correct, I reserve my right to request a reinvestigation or escalate this matter further.

Future Communication : I would appreciate any further documentation supporting the decision to verify this item, including any communications between Equifax and the furnisher of the information. 
AS YOU CAN SEE THE ATTACHE XXXX XXXX AND XXXX DELETED THE INFORMATION SO IF I HAVE TO SUE YOUR COMPANY I WILL BECAUSE YOU ARE KNOWINGLY AND WILLINGLY VIOLATING MY PROTECTED RIGHTS SO IF IT ISNT DELETED IN 72 HOURS I WILL BE FILING A FEDERAL SUIT I trust you will address these concerns promptly. Please send all relevant documents to my address on file. I look forward to your response. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

XXXX/XXXX/2017 - Experian is charging Washington State residents {$11.00} to place a security freeze when the allowed maximum amount is {$10.00}. XXXX and XXXX  both charged the expected {$10.00}. My complaint is Experian is overcharging what the Washington State law allows. When I called Experian, the person told me she did n't know why I was charged {$11.00}.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX I 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 XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-03-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (FL)

I mailed letter telling them that debt was paid years ago. But I'm still receiving letters. This debt was paid in 2017 It was paid 6 yrs. ago and is still reporting incorrectly for 6 yrs.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Prof Dept inaccurately and reaging added XXXX late payment to my account. XXXX, XXXX, and experian has not deleted this account despite multiple inaccuracies with this debt collection agency.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 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 2023-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

An account was opened on my name fraudulently for the third time emails were sent to my wifes email for some reason I have reported this to the XXXX XXXX XXXX and I have spoken to Bank of America about the situation. Several times they assured me it wont happen again but it happened again. I have no other options and Im reporting its everywhere can I to protect myself.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have an account with XXXX that was paid off on XX/XX/2023. I have the proof. I called the company. They did not remove it yet they were reporting every 30 days before I paid it off. I disputed the account with Experian twice and even gave them the proof and they came back with the creditor has verified that the account is accurate. Which proved that Experian paid no attention to what was sent to them. I then called XXXX again and they still refuse to remove it. SOmething about 60 days. It is now XX/XX/XXXX and it's still not removed. The payment is affecting my dti and the information on my credit report is not accurate. Experian did not do its job and neither is XXXX.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

I received a letter from XXXX XXXX that my application for XXXX XXXX XXXX XXXX card needs more info to complete the application. I Have never for such a card although I do have and use an XXXX XXXX credit card.
Consumer complaint received 2023-03-14
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: Affirm Holdings, Inc (MD)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 V a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (ME)

I have provided XXXX XXXX  and XXXX XXXX ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. 

Also XXXX, This was not mine also