davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I initially reported this on XXXX XXXX and nothing has changed. XXXX XXXX is reporting duplicate information on my credit report. the credit information is reporting on XXXX and Equifax credit bureaus. I submitted a credit report to them showing the error and I submitted a dispute trying to correct it. Both the credit bureaus and XXXX XXXX  have ignored my request. I am a minority single female who is feeling discriminated against by XXXX XXXX I have submitted multiple requests and I have been ignored on them all .. XXXX sees the accounts are duplicates but still ignores them .. its in plain sight. The account number only differ by XXXX in front .. every thing else is the same. They are deliberately not trying to correct error.
Consumer complaint received 2024-04-01
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)

When I investigated my credit report, I realized that some of the information was 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'M CURRENTLY XXXX AND A VICTIM OF IDENTITY THEFT CAPITAL ONE ACCOUNTS ENDING IN XXXX, XXXX, XXXX AND SPARK BUSINESS ENDING IN XXXX WAS FRAUDULENTLY ESTABLISHED UTILIZING MY PERSONAL INFORMATION. CAPITAL ONE ALSO TOOK MONEY FROM MY CHECKING ACCOUNTS WITHOUT MY CONSENT FOR THESE FRAUDULENTLY OBTAINED ACCOUNTS I DID NOT ENTER INTO ANY AGREEMENT WITH CAPITAL ONE, PROCESS ANY APPLICATION FOR A LOAN NOR DID I AUTHORIZE OR GIVE CONSENT FOR ANYONE ELSE TO DO SO. I WANT ALL THE MONEY FRAUDULENTLY TAKEN REIMBURED, THE CAPITAL ONE ACCOUNTS REMOVED FROM MY CREDIT REPORT AND ANY NEGATIVE INFORMATION REMOVED FROM CAPITAL ONE 'S SYSTEMS COMPLETELY. 

I CAN BE CONTACTED AT : XXXX XXXX XXXX XXXX XXXX PRIVILEGED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX
Consumer complaint received 2024-04-01
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 


I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian credit bureau has violated my rights according to 15 U.S.C 1681i procedure in case of disputed accuracy. It's been well over 60 days since Experian conducted an investigation into my dispute and my credit report is still reporting inaccurate information. According to the FCRA everything must be 100 % accurate. I am disputing a collection account XXXXXXXX XXXX XXXXXXXX account number XXXX. it was closed and removed by the original creditor Via a CFPB complaint response where it clearly states the steps, they took to have the account withdrawn from the credit bureaus. I have also attached a screenshot of the company 's response
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted TransUnion and let them know that I have two accounts reporting on my credit that are not mine. The fraudulent accounts are listed as US Depart. of EducationXXXX and XXXX XXXX XXXX. There is also one inquiry from XXXX that I did not do.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$490000.00} XXXX XXXXXXXX Balance : {$470.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$93.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-12-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

I never agreed to the charges from a XXXX XXXX and i left the country. they took XXXX already without my permission. On XX/XX/2022 i called XXXX costumer service to tell inform them that i will be leaving the country for a month and have asked them to switch for the international service for calls they offer they told that that there will be a charge of {$10.00} daily for calls, which didnt work with my budget so i refused the offer and that was or should have been documented in their system. When i left the states XXXX started to send me text messages stating that they are charging me {$85.00} for using the data and then charges kept adding up even though i wasn't using the data. I didnt contact the company because i was still out of the states so I didnt want to get charged for contacting them. When i came back I received a bill in the mail of {$4300.00} and a withdrawal from my bank was made to them of {$1300.00}. I called them again to see why i was being charged and they have told me the amount was the total the data i was using overseas. My daughter called them again to see why I wasnt informed at the time when I called before leaving the states that i will get charged even if i used the data and their response was * he ( i ) he should know that although my daughter has told them that most companies let dont charge their customers for using data overseas and her company is one of t of them they still want me to pay the full amount which i was not informed at the time of my first call before leaving the states. Now it is with a collection that is on my report and ruining my credit and trying to collect money i don't feel i owe.
Consumer complaint received 2024-07-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Had an existing account with Synchrony Bank paid on time and always as agreed. Synchrony has changed the terms of our agreement and I reject this change as Paper statements are essential and necessary for record keeping. This nonsense is discriminatory to those without internet or understanding of the processes to use online accounts. Because of this change I was required to cancel my account with them ; of which I am sure they are benefiting from as trustee.
Consumer complaint received 2024-03-31
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. (OK)

I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-31
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. (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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-01
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated 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 an account without written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

It also states a consumer reporting agency can not furnish an account without my written instructions.

DELETE this immediately or I am prepared to FOR LITIGATION Sincerely, XXXX XXXX
Consumer complaint received 2024-04-01
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated 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 an account without written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

It also states a consumer reporting agency can not furnish an account without my written instructions.

DELETE this immediately or I am prepared to FOR LITIGATION Sincerely, XXXX XXXX
Consumer complaint received 2024-03-31
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States liave 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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Subject : Dispute of Unauthorized Inquiries on my Credit Report - Reference : 15 U.S.C. 1681 I am writing to formally dispute certain inquiries listed on my credit report as authorized by the provisions of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. 1681. I have reviewed my credit report from and identified unauthorized inquiries that have been made without my consent.

I would like to bring your attention to the following inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to emphasize that I did not provide permission or authorization for the aforementioned inquiries to be made on my credit report. According to the FCRA, it is essential that inquiries made on an individual 's credit report are done so with their explicit consent. As such, these inquiries are in violation of my rights as a consumer under 15 U.S.C. 1681 and the FCRA.

I kindly request that you investigate these inquiries and, if found to be unauthorized, remove them from my credit report in accordance with the law. Please provide written confirmation of your actions and any updates made to my credit report.

I expect your prompt attention to this matter as required by law. I believe that a thorough investigation will reveal that the inquiries were made without my consent, and I trust that you will take appropriate action to rectify this situation.

Thank you for your assistance in resolving this matter. I look forward to receiving written confirmation of the results of your investigation and the corrective actions taken.
Consumer complaint received 2024-03-31
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. (FL)

Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 no acurate delete the account below
Consumer complaint received 2023-08-28
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-08-28
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. (OH)

Dear Sir/Madam, I am writing to formally dispute an account and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. 
I am providing the following details regarding the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explanation of Dispute : I request that you investigate this matter and remove the disputed account and inquiries from my credit report promptly XXXX As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureau to ensure the accuracy and integrity of the information on my credit report. 
Please provide me with a written response within the legally mandated timeframe of 30 days. If you find that the inquiry is inaccurate or can not be verified, I request that you remove it from my credit report immediately. Additionally, please send me an updated copy of my credit report reflecting the changes made. 
I appreciate your attention to this matter and the timely resolution of my dispute. Please inform me of any further actions required from my side to facilitate the investigation process. You can contact me at- XXXX if you require any additional information. 
Thank you for your prompt assistance in resolving this dispute. I look forward to a satisfactory resolution.
Consumer complaint received 2024-03-31
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. (IN)

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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account name XXXX # XXXX Account XXXX XXXX XXXX # XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX has violated my rights.

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.