davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2019-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A. (FL)

Although I do not believe this to be my debt, I called the debt collector ( Pollack and Rosen) and they agreed to settle fort an amount of XXXX as paid in full. However, they refused to give me a satisfaction of judgement letter I need to secure a HELOC loan for much needed repairs to my home. Even though they accepted  a settlement of XXXX as paid in full they told me I had to give them over XXXX before they would give me the satisfaction of judgement letter.
Consumer complaint received 2019-12-16
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. (NY)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I WAS PLACED AS AN AUTHORIZED USER AND I WOULD LIKE TO BE REMOVE OFF THE ACCOUNT. THE ACCOUNT IS HINDERING THE INTEGRITY OF MY CREDIT AND I WOULD LIKE THE ACCOUNT TO BE RMEOVED AS SOON AS POSSIBLE. PLEASE CONTACT THE FURNISHER TO HAVE MY NAME OFF THE DISPUTED ACCOUNT.
Consumer complaint received 2024-09-30
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. (KY)

Identity Theft Affidavit Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX XXXX declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 
XXXX Accounts : XXXX XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$950.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$390.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$15000.00} charge-off XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1500.00} charge-off XXXX. XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXXXXXX XXXX XXXX, Opened on XX/XX/XXXX, {$690.00} XXXX XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$570.00} charge-off XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX, {$420.00} charge-off XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX, {$400.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1600.00} charge-off XXXX. XXXX Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX on XX/XX/XXXX, {$1100.00} charge-off XXXX. XXXX  Opened on XX/XX/XXXX, {$400.00} charge-off XXXXXXXX XXXX Opened on XX/XX/XXXX, {$1400.00} charge-off XXXX. XXXX - XXXX, Opened on XX/XX/XXXX, {$700.00} charge-off XXXX. XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX XXXX XXXX, Opened XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX XXXX XXXX, XXXX XX/XX/XXXX, {$1800.00} charge-off XXXX. XXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1400.00} collections XXXX. XXXXXXXX XXXX Opened on XX/XX/XXXX, {$450.00} collections Fraudulent Inquiries : XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XXXX / XXXX XXXX, XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have called Equifax several times on several occasions to get my disputes and dispute remarks removed on my credit report. These remarks and disputes are stopping me from getting a home loan. Each time I call, I am assured that they are gone but when the lender pulls my credit, the disputes are still there thru Equifax. I have gotten confirmation numbers but each time, the disputes re- appear. I do not want to dispute this information and need all of the disputes cancelled and the verbage and remarks removed.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-07-31
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. (AL)

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.

The letters are stated with items and issues.

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 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

PLEAS HELP ME, EVERYTIME I AM SEEING THIS ACCOUNT IN MY REPORT, THESE REALLY ARE GIVING ME SO MUCH STRESS XXXX HOW AND WHY THESE ARE REFLECTING IN MY CREDIT REPORT.
Consumer complaint received 2024-09-30
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. (TX)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-30
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-30
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-30
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. (MD)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-11-02
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. (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. 
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 agency shall ( 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also according to 15 USC 1681s-2, they are not supposed to 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 2024-04-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (OR)

Hello, I am having a terrible time with customer service. Everyone points, the finger, the credit card ppl blame the checking account side and back and fourth!! US bank refused to look into this situation! Credit card ppl refused to file fraudulent claim and US checking says they cant do anything because its the credit card problem!! If Im saying I didnt do it!!! I didnt switch anything to a back up for my checking account. If nobody knows anything or refuse to have due diligence in the matter how can I keep getting no help?? How can you refuse to fix the problem?? I cant pay my credit card now bc of {$770.00} charge I did not make at XXXX XXXX!! Dnt have a back for my checking!! Havent changed it to my checking or credit account!! What sense does it make to use my credit card for back up or whatever may have you just so I pay an enormously high interest???? This has never happened to any of my accounts!! US bank has the worst customer service support because everyone just defer!! This has interrupted my life in every aspect and because its on going, when I have done everything to reach some kind of manager or management!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : CAPITAL ONE
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CT)

My family was traveling to XXXX, XXXX where the incident took place. My sons were enjoying the local nightlife when, in the early hours of the morning on XX/XX/2023 at XXXX  XXXX XXXX, my sons credit cards were stolen and used without their permission. They were in a satchel attached to their waist and they do not know how it happened. The amounts in question are below : XXXX  XXXX XXXX {$550.00} on my son XXXX 's card {$130.00} on my son XXXX 's card {$33.00} on my son XXXX 's card The credit card company itself was the one who alerted me, the account holder, to possible fraudulent activity when this happened, and they called me. I did not know what was going on at the time and may have said the purchases were okay initially because I assumed my sons were just purchasing things while they were out on vacation and we could not get a hold of each other due to the limited cellphone service while abroad. Once we spoke as a family and understood the situation some days later, we reported the fraud to Barclaycard and they conducted an investigation and found us responsible for a transaction we DID NOT AUTHORIZE OR EVEN KNOW ABOUT. 

I have made it crystal clear thru subsequent repeated conversations to Barclays Bank Fraud Investigations Unit that these purchases were made without our authorization or knowledge and this is plain fraud. 

They asked for a police report and I was not able to acquire one while there due to our travel schedule and also due to the fact that we did not immediately know what was going on. Once we left XXXX and the area, it was impossible to attain one as we do not speak XXXX  and XXXX police officers do not speak XXXX. Also, the long distance calling charges we would incur would probably equal the amount of the claim. If Barclays wants to facilitate a police report for us, we would be happy to report the incident. I am at the end of my rope. They have not responded to repeated requests to speak with the individual conducting our investigation and I am tired of them making this complicated and wasting my time. My sons also had their other credit cards, XXXX, used fraudulently, and those fraudulent transactions were refunded immediately with just a quick phone call and explanation of what transpired.
Consumer complaint received 2024-02-24
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. (OH)

per 15 USC 6802 ( B ) 16 CFR 313.7 433.2 433.3 15 USC 1681. 5 USC 552 ( a ) and the privacy act of 1974 should stop these institutions from sharing personal information to third party entities such as early warning services, XXXX XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX All of these companies violated my rights of all laws above in CFR 433.2-433.3 states my information will will not be disclosed to any third parties without consent and clearly my consent was not given to the companies named above to share my personal information without my consent.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I'm filing this complaint as per my attorney TransWorld System is in violation of the FDCPA for failure to provided requested document to properly verify alleged debt. 


I pulled an annual credit report in XXXX of XXXX. To find that Transworld Systems is reporting that I allegedly owe a debt from XXXX XXXX. I keep good records regarding medical bills. I have never received any info regarding this account. This is a medical debt from XX/XX/XXXX. 

I disputed this item via all 3 credit bureaus and requested my " signature of the original contract/consent to treat '' to establish the contractual obligation. Understanding medical facilities can make clerical errors in regards to billing. 

XXXX  and XXXX  verified this account 2 times without providing the requested information ( signature of original contract/consent to treat ) nor did they give me anything that would support their verification method as I requested. 

I was out of the country for 5 weeks when I returned ( XXXX ) I did received correspondence via the FCRA request from TransWorld ( XXXX ) however it was a general medical bill not the requested original contract/ consent to treat form. 

XXXX  and XXXX said it was my obligation to reach out to TransWorld System however this isn't my burden of proof to investigate. 

My attorney sent certified letters. Two times XX/XX/XXXX @ XX/XX/XXXX requesting more information specifically " the consent to treat form with my signature '' with failed attempts due to wrong address published on Transworld Systems website which resulted in both being return to sender. 

Another verification letter was sent certified on XX/XX/XXXX to the address provided from TransWorld this letter was received by TransWorld on XX/XX/XXXX. 
It has been well over 30 days and I have not received any response to my request nor has this item been marked as disputed on my credit file. It is currently being reported as accurate. 

This is a violation of the FDCPA and FCRA. 

Please see attached documents Thanks in advance for your assistance. 

XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NH)

Amazon allows its customers to set up interest free payments on purchases ; however, when a consumer logs in to pay their credit card, they do not list the amount the consumer needs to pay to avoid interest charges. This is also true for their credit card statements -- there is no clear amount a consumer needs to pay to avoid interest charges each month.