davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2023 two different charges were posted to my Capital One visa credit card from the merchant XXXX XXXX. The first was for {$460.00} and the other was {$420.00}. The first amount of {$460.00} was a charge that we put onto our card with the merchant. I have both my customer copy and also a copy from the merchant. The other charge of {$420.00} is the charge in question. I called Capital One by using the number on the back of my credit card. I explained the situation to the customer service representative. The customer service representative filed a dispute on my behalf. The merchant responded to the dispute and sent documentation of the charges. Capital One shared that documentation with me. On the charge that I am not questioning they shared the entire receipt with me in a XXXX XXXX letter. On the charge I am questioning they would NOT share the entire receipt with me. They would not show the signature line. When I received the letter I called the number on the letter and was advised to send a fax with detailed information. I sent the fax with the information and also asked for a copy of the entire receipt in question. I called to verify the fax was received. I also looked at the account online and they noted the fax was received. I then received two different letters dated XX/XX/2023. The letters had different case numbers on them which was very confusing to me. On XXXX XXXX the credit card company charged my credit card again for the charge that is not mine. I called today on XX/XX/2023 and I was told by the case manager in the fraud department that they can not assist me with this anymore because when a charge gets filed as a dispute you can only go to the merchant once to dispute it so the fraud department is not allowed to go dispute it.
Consumer complaint received 2023-05-03
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. (VA)

I submitted a complaint last XX/XX/XXXX and the companies responded saying they have investigated but there are still a lot of fraudulent items on my credit report. I submitted and complaint again XXXX XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-02-08
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. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (MS)

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 XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX, Phone : ( XXXX ) XXXX, Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) reported accounts with company.

15 U.S. C1681 Section 602 A States I have the right to privacy.

15 U.S, C 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish account without my written instructions.

15 U.S. C 1681c ( a ) ( 5 ) 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shill not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-18
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. (OR)

I discovered accounts that do not belong to me due to Identity Theft and have filed paperwork with identitytheft.gov and am working to have these fraud accounts removed from my credit reports. I have contacted the companies in question and nothing has been done so I am here now to complain and attempt removal this way.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Correct this immediately as your denial violates the law. Remove these fraudulent accounts swiftly or face legal escalation. Your prompt attention to this matter is expected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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)

Have disputed debt reported by XXXX to Equifax. Outcome continues to be that debt remains. 

Its clear that XXXX is reporting the same tradeline as XXXX separate debts- the total is XXXX of debt instead of the already invalid XXXX.
Consumer complaint received 2024-02-08
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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)

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. 

Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-02-07
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-07
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. (PA)

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 information is inaccurate.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (SC)

Caine & Weiner debt collector has refused to update my credit reporting. XXXX XXXX made an error on my account and did not close my account properly in XXXX XXXX even though I provided my insurance declaration page from XXXX XXXX. After reporting the insurance company to the Department of Insurance they send me a notice indicating they correctly cancelled my insurance in XX/XX/XXXX and sent me a refund for {$51.00}. I contacted Caine & Weiner today and they said XXXX pulled back the account to show I no longer owed an debt however they have not updated their system. XXXX and Caine & Weiner are violating my rights under FCRA by failing to update my account with the credit bureau agencies which is impacting my ability to buy a house as my credit score has dropped. 

I want my account updated immediately as it has been over a month since XXXX realized their mistake.
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-01-10
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (FL)

My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX. I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. 

I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( EFX, XXXX, XXXX ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. 

Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.
Consumer complaint received 2024-04-18
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. (CA)

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 2024-06-19
Product: Credit reporting 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: EQUIFAX, INC. (SC)

You can not understand question asked by computer or live person. Also want you to answer false things that you never apply for, car, payday credits, banks home loan, ect, not me, havent work or driven in years because of disable. I have not seen it in years. The lady dont seem to care about wrong questions she asked for at least XXXX credit card in pass, i had a old credit report and what she saying its not me
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

It has come to my attention upon checking my consumer report that inaccurate information has been furnished. Per the FCRA as a federally protected consumer I have the right to accuracy [ 15 USC 1681e ( b ) ], as well as privacy according to the Privacy Act of 1974, and the option to opt out of any reporting on my consumer report [ 15 USC 6802 ( b ), 16 CFR 313.1, 16 CFR 313.7. ] My rights have been violated. My closed account with XXXX XXXX XXXX is reported as charged off in XX/XX/XXXX my consumer report. A charge off is considered a certificate of indebtedness which is INCOME.

Income does not get reported on the consumer report which in fact makes the reporting of this account inaccurate! It is prohibited by law to have inaccurate information on your consumer report and this information is indeed inaccurate. 

As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The continued reporting of this inaccurate information is a clear violation of the law. 

In addition to this inaccuracy, this charge off report of this account is only showing as such on to one consumer reporting agency and still showing as an open account on the others as XX/XX/XXXX. The balance on each report is different also. On one consumer report it states a {$20000.00} balance versus a {$20000.00} on the others. This is another inaccurate reporting and must be removed from my credit profile! 

This has caused me and my family severe harm due to this negligence and inaccurate reporting. This has caused damage to my reputation, my character, and my general mode of living and my ability to obtain credit for personal and house purposes. 

I am now opting out of any and all authorizations that I, the consumer, may have given you written or non-written, verbal or non-verbal for the reporting of this closed XXXX XXXX XXXX account from the date the account opened until XX/XX/XXXX.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

A payment was made to prevent delinquency of 30 days by XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX. That payment was made with XXXXXXXX XXXX XXXX  XXXX in the amount of {$610.00} on XX/XX/XXXX ( Not including fees for over the phone processing ). All other correspondence was deleted from con # XXXX, XXXX and XXXX by securing that payment. ( which were for payments not completed as scheduled earlier in the month of XXXX ) XXXX XXXX XXXX submitted on XX/XX/XXXX and XXXX, to all three bureaus a 30 day delinquency. This was not correct. I contacted the office XX/XX/XXXX, to explain the error and was transferred to XXXX who refused to acknowledge company error stating the funds were not in the account on XX/XX/XXXX for INSUFFICIENT FUNDS. I told the agent I would provide proof that the funds were in the bank and there was a bank error. On XX/XX/XXXX - I contacted the banks and collected proof that the hold was due to a signature issue not that the funds were not deposited. The bank decided to hold them. I contacted ACA speaking first to XXXX who transferred me to the supervisor XXXX. The supervisor refused to acknowledge the agreed conversation that took place with XXXX and restated circumstances from con # XXXX, XXXX and XXXX, justifying since a payment was returned XX/XX/XXXX ; I was 30 days late. ( You are reported late by the next month per contractual agreement this is a high interest loan ). She refused to acknowledge that the payment set by XXXX for XX/XX/XXXX null and voided prior arrangements. I told her this was the bank error as the monies were on hold. She hung up on me and disconnected the call. I called back and spoke to XXXX who transferred me to XXXX who transferred me to XXXX. I requested a supervisor other than XXXX since she hung up on me. She transferred me to the supervisor XXXX. I called again to speak to another agent that would assist and allow me to provide banking proof. I was put on hold for the supervisor XXXX by XXXX before she hung up on me. The length of the calls started at XXXX. No resolution took place.
Consumer complaint received 2024-01-10
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. (GA)

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