davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent you a letter several times, asking for you to investigate the information reporting on these accounts and I received a response from you stating that the accounts were verified and there would be no change. 

After receiving that response. I sent a letter to the companies in the previous month asking for them to verify the information. I received no response. 

I have exhausted all of my options to resolved these matters and I am now demanding that the accounts be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit reporting Act. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
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 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 informationisinaccurate.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-14
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)

Consumer Reporting AgencieXXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2023-02-09
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)

XXXX XXXX unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.
Consumer complaint received 2024-07-26
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. (IL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-07-27
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. (TX)

I am writing to follow up formally to dispute inaccurate information that remains on my credit report despite my previous attempts to resolve this matter. This is my attempt to correct the incorrect late open accounts listed on my credit report. Despite these efforts, the inaccuracies persist. The incorrect late open accounts are adversely affecting my credit score and causing me significant distress and inconvenience. 
I urge you to correct these errors promptly and send me an updated copy of my credit report. Please also provide me with the results of your re-investigation in writing. I believe the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute information and expect a timely and accurate correction. These are the accounts I want to be corrected : XXXX XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$100000.00}.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I am filing this complaint regarding inaccurate information on my personal credit report. During my review, I noticed entries for late payments that are incorrect. Despite sending documentation disputing these entries over 30 days ago, I have not received a response, and the credit bureaus have failed to provide proper validation for these alleged late payments. I am seeking your intervention to rectify this situation.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (NY)

I got a notification from my credit karma that between XX/XX/XXXX and XX/XX/XXXX VW Credit Inc. submitted that I owed them {$380.00} and that the account was charged off. This is patently false as that account was paid off in full. Even if that account wasn't paid off, there is no history of me having an account in collections or no attempt from VW Credit Inc. to contact me about anything that was owed in the last 5 years. As a result of this, my credit score has gone from XXXX to XXXX overnight right as I am in the middle of trying to apply for important business and personal loans. This is ridiculous and borderline fraudulent in my opinion.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : these are the dates I called to fix the issue but issue was never resolved. 
Paid to XXXX : XXXX Worked with XXXX and got refunded. XXXX from the above amount Disputed XXXX with U.S bank and got provisional credit. 
Later U.S Bank recharged XXXX without confirming with me. 
Called multiple times the bank as mentioned above but didnt get help After figuring out the actual amount charged by XXXX was XXXX. Then bank credited XXXX. Later bank charge me back XXXX without confirming with me and didnt ask what happened and closed my case. 
Since the total was XXXX and bank re-charged me XXXX again, they still owe me XXXX instead of XXXX Ive spoken to supervisors and each time I call them I have to start from scratch explaining all over again and providing all the details, and they simply dont listen. They tell me I would get a call back within 48 business hours and it happened once me calling multiple times. I requested the person to send me a letter requesting proof of my receipts and she agreed but she didnt send it. After that, I have called again multiple times and never heard back.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX is continuing to be willfully They non compliance to the cfpb act. N Horrific XXXX  is in direct violation of 1681c-2 ( a ) I filed an identity theft claim with XXXX  on XX/XX/year> to which the claim has not been blocked or answered in the appropriate time frame. XXXX not only didnt process my identity claim under 1681c-2 but they have not even processed my claim in the allowed time under 15 usc 1681i ( a ) ( 1 ) ( a ) to which they has 30 days to investigate incomplete or inaccurate information. This is the second time XXXX  has not processed my claim or request ending in a violation of my right.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I applied for the Chase Saphire credit card and was offered a primotional credit of XXXX points if i spent XXXX in 90 days. I signed up and was approved for a XXXX limit. I spent the XXXX minimum within XXXX of receiving the card in XXXX, well within the 90 day window. Chase only credit led my profile with XXXX points instead of the XXXX promotional offer. I contacted Chase and they instructed me to upload my personalized offer letter and they couldn't research it. I was able to find the offer letter and upload it to my profile. After several exchanges with Chase, no explination has been given of why they're denying my XXXX points ( XXXX offer - XXXX given ) and have stop reaponding to any requests from my side. I filed a complaint with the XXXX  and they still said they won't honor my personalized offer but will not give and informatuon as to why. All I would like is the XXXX bonus points that was offered to me as a signup bonus.
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (TX)

Took a personal loan for an emergency. The amount was {$1000.00}. I knew I would be repaying it before the first month was due to avoid paying additional interest. 
The repayment option I requested was the shortest amount possible, 3 months. When the loan was explained the customer service rep was explaining everything as fast as they could to avoid being questioned. When questioned they were very confrontational. When signing the loan, the terms and conditions were not presented prior to signing, there was only a digital signature requested but no details to review. The loan was put into an 18 month repayment period with withdraws from my account every 15 days. I noticed that when my first installment was withdraw from my account 15 days after requesting it for {$310.00} dlls.

After further reviewing the details after the first installment was withdrawn, realized the APR for the loan was 688.40 % and the total cost for the loan would be {$4500.00} for a {$1000.00} loan which was unthinkable when I requested this service. I made a payment in full to close this loan. I have read and was very aware of these types of practices affecting consumers but I never imagined the amounts charge would be this astronomical. Services like this should be banned and dismantled as they only hurt the customers using them. I can not stress this enough, this company must be banned from operating and hurting more customers.
Consumer complaint received 2024-07-25
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)

The Equifax company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit bureau Can you give this information if my person does not authorize, thank you 8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX The XXXX company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit

bureau Can you give this information if my person does not authorize, thank you. 2inquiries Th
ese lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-25
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: CL Holdings LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (ND)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (PA)

I have had " Fidelity '' credit cards with Elan/US Bank for XXXX. On XX/XX/XXXX I reported significant fraud to Elan. On XX/XX/XXXX, I received a replacement card via overnight delivery. When I tried to activate the card, I was unable to do so. When I called Elan, I was told that I was deceased. I was told that " public records '' indicate that I am deceased. They told me that in order to verify that I was not deceased, I need to have XXXX fax them a letter indicating that I am alive. On XX/XX/XXXX, I went to the SSA office and obtained a physical letter indicating that I am not deceased. SSA is not permitted to fax letters or any personal information to third parties. Elan had given me an email address and I sent the letter to them that same day ( XXXX ) Apparently that is not a valid email address. On XX/XX/XXXX, a representative from my local Fidelity office, reached out unsuccessfully to correct the matter. I was out of the country over the past week and did not have any problem with my passport or XXXX XXXX designation. Prior to leaving the country, I checked my credit reports, which did not indicate that I was deceased, and froze them to prevent further financial fraud. Upon returning from vacation, on XX/XX/XXXX, I spoke with Elan because the matter has not yet been resolved. I was told that a second check had been made of " public records '' and that I was deceased and that the record included my SS #. I was told that they are not permitted to provide me with the identity of the public record ( death certificate and jurisdication?? ) so there is no way for me to correct this information. On XX/XX/XXXX, I faxed the SSA letter, that I had previously emailed, to Elan. I also went to a Fidelity office, and they verified my identity using PA license, passport and XXXX XXXX XXXX. They also have a computer system to more securely verify my identity via a reading of my driver 's license. Fidelity sent a fax to Elan indicating that I am alive. I called Elan a 2nd time on XX/XX/XXXX, and I was told there is nothing they could do to help me with the incorrect information. On XX/XX/XXXX, I also spoke with representatives of XXXX Identityworks. They could not find any information indicating that I am deceased. It seems clear to me that the fraudulent financial charges I identified on XX/XX/XXXX are related to the identity fraud ( death ) that was reported by XX/XX/XXXX. It also seems to me that as a victim of identity fraud, I should be entitled to the source of the incorrect information so that I can correct it.

I have been dealing with the Deceased Support Department of Elan ( XXXX XXXX XXXX ). I am not permitted to see any of the transactions that have occurred on my account. While this fraud involves credit cards, I am more afraid that this incorrect information will be used to steal from my investment accounts and that it is imperative that the public information be corrected.
Consumer complaint received 2024-08-16
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.