davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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. (AZ)

Hello, These are the inquiries as shown below which was never acknowledged or approved by me but I see them outstanding on my Credit Report. I have reported to the respective credit bureaus to remove them as they are not acknowledged but there is no action or feedback from their end. Please help in removing these inquiries as I have have never provided any consent for any of them. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (FL)

I've discovered unauthorized inquiries and misleading accounts, and addresses linked to my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (NJ)

I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. 

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.
Consumer complaint received 2024-02-05
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)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX XXXXXXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. 1 ( Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX  XXXX Account Number : XXXX As a consumer by the law This account must deleted immediately. 
In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2024-06-01
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: CITIBANK, N.A. (UT)

While purchasing flights on the XXXX XXXX website in XX/XX/XXXX, Citibank offered a promotion to receive {$250.00} off my flights if I applied for the AAdvantage credit card. I did apply and was approved for {$1500.00} but my flights were {$1800.00} or more. I continued to purchase my flights with an additional credit card, thinking that the additional credit card would only cover the amount over the {$1500.00} limit. That didnt happen. The full amount went on my XXXX. I called Citibank, A representative told me that I would receive my card in the mail and When I started using the card I would receive the promotional amount. After using the card for several months I called Citibank again and ask them why I had not received the {$250.00} promotion. I was then told by a representative that I needed to wait until the end of XXXX ( When the promotion ended ) to receive the {$250.00} credit. I called Citibank in XX/XX/XXXX and said that I still have not received the credit and was told that I was not entitled to the credit because my flights were not purchased on the Citibank advantage card. I told them that I had called several times before and was told to wait until the end of the promotion. They said I dont know who gave you that information but now that the promotion was over, that there was nothing they could do about it. I called again the next day to see if a different representative would give me different information because that is what had happened in the past, but they also said that the promotion was over and that there was nothing they could do to assist me. 
I believe that this was deceptive advertising, very poor customer service and that the customer service representatives did not give me a correct information between XX/XX/XXXX and XX/XX/XXXX. I do not trust this company and will not believe their promotional offers in the future.
Consumer complaint received 2024-02-05
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. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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, Account number XXXX name : XXXX XXXX has violated my rights. 
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 2024-07-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (GA)

nation credit adjusters has contacted me regarding a debt for {$680.00} I have sent this company a cease and desist this company has refused to adhere to federal guide lines by ignoring my request in my attempt to resolve this matter the company has also been found to impose a collection agency when it is listed that this company. is not legally blinded and or insured to collect in the state go XXXX, please have this company cease all collection activates this is my last attempt to complain outside of court
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I began to purchase some airline tickets from XXXX XXXX. At check out an advertisement to apply for a Chase credit card stating could use for the purchase to receive a {$200.00} credit after {$500.00} purchase. I applied for the credit card knowing I have excellent credit and background. I also applied with the absolute intent of using it for airline purchase. After approval of credit card I was notified that I could not use the card for this purchase and was redirected back to the XXXX checkout and was required to use a completely different card of my own. I called Chase to see what they can do and was told there was nothing that can be done. I stated there were only XXXX options in my opinion. Give me the information needed to purchase the tickets as advertised or make it as if this debacle never happened. Was told ( rudely by one ) there is nothing can be done but cancel the card because I would have needed the physical card to make the purchase. Everything about the scenario came across as a bait and switch. I then asked the card to be cancelled and notify credit bureaus to rescind the hard pulls. Was told that this could not be done as well because I applied. I responded I applied under pretense of using card after approval ( as advertised ).
Consumer complaint received 2024-06-14
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. (TN)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

Equifax shows late payments on an account with which I had a perfect payment record. On XX/XX/XXXX and XX/XX/XXXX, I tried to dispute these charges using their online system, which is poorly designed and does not enable customers to properly document their claims. Then the system kept spontaneously logging me out without saving the data I had spent considerable time entering. I called their help line and they said, " just try logging in again. '' I don't have more time to waste. Their system is broken and even their complaint system is broken. If a company makes a mistake and ruins your credit ( and life ), THERE IS NO WAY TO FIX IT. The idea that you can review, dispute, and correct your credit report is only a pleasant myth because YOU CAN'T.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-02-05
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. (MI)

I am writing to inform that i was never provided a copy of the privacy notice that XXXX, XXXX and Equifax are required to provide to me under 12 CFR 1016.4 before they disclose any nonpublic personal information about me to any nonaffiliated third party.

I am also writing to exercise my right to opt out of any such disclosure under 12 CFR 1016.10 ( a ). I do not want the credit agecies to share any nonpublic personal information about me with any nonaffiliated third party, unless it is permitted by the exceptions in 1016.13, 1016.14, and 1016.15.

Furthermore, according to the Privacy Act of 1974 ( 5 U.S. Code 552a ) the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. This includes consumer reports.
Consumer complaint received 2024-05-27
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. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WA)

I have a XXXX card run by Synchrony bank. This card is used for promotional musical purchases advertised as paying zero interest over promotional periods. I currently have three promotional purchases on my account... two of them are 2-year promotions and the other is a 4-year promotion. The advertised price and fine print clearly stated that there would be no interest charged over the duration of these purchases as long as all payments are made on time and balances are paid off in full before the promotional purchase deadline. Synchrony sent out emails that changes are being made on statements. I read the statement today to learn that " some '' promotional purchases longer than 18 months ( which includes all three of mine ) will now be charged a 2 % monthly fee. They clearly stated that this is retroactive and will affect existing promotional purchases and will go into effect XX/XX/year>. I believe there is a way to opt out or " reject '' this, but opting out will result in inability to engage in promotional purchases in the future. I am considering opting out. However, I do not wish to punish XXXX, an incredible company with excellent customer service, for the unethical behavior of Synchrony. I am guessing this is also a contract violation and could result in a class action lawsuit against Synchrony. If that is the case, I wish to be a part of this lawsuit.
Consumer complaint received 2024-02-04
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. (GA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Auto Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New XXXX XXXX XXXX   Auto Financing XX/XX/2023 XXXXXXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX  Auto Financing XXXX XXXX XXXXXXXXXXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 
1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent Equifax whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. 
Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. " I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer
reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX are consumer reporting agencies and I am the consumer.
Consumer complaint received 2022-11-28
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. (FL)

To whom may help, I have attempted to fix this problem without a positive result. I tried to do the right thing and payoff my charged off debts. I was told they were going to be deleted but it did not happen. Please help, this is stopping me from getting proper housing for my family due to payment history. Please see attached. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 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
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (WI)

card was paid in full then I had a {$2.00} interest fee that I was not contacted about then they charged me {$37.00} last fee and the another last fee total of {$62.00} in interest and late fees when the balance was paid off I called the company and requested these charges be reversed but they said that could not be done also because of this my credit score of XXXX dropped by XXXX points= I closed the card but I really feel that they did not handle this appropriately.
Consumer complaint received 2024-02-04
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. (AL)

I sent in the proper paperwork i haven't got a response from XXXX XXXX  the are suppose to update the account with the correct information that i sent to them under Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.