davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2023, I utilized my Amex Blue Business Plus card to refer my husband, aiming to secure a referral bonus. At that juncture, the referral bonus stood at XXXX membership points. I possess video evidence wherein my husband employed my referral link during his application process, ultimately receiving approval. 

Upon verification with a representative, I was informed that the referral bonus would be credited to my account within XXXX weeks. However, as of XX/XX/2023 ( four months post the initial credit card approval ), I was informed by the representative that, following an internal investigation, no referrals were used. 

Reiterating, I have a recorded video illustrating my husband 's utilization of the referral link and subsequent approval. The motivation behind recording this evidence stems from a prior occurrence wherein a similar discrepancy arose in my account. I aim to ensure irrefutable proof of the referral usage and subsequent approval in this instance.
Consumer complaint received 2024-06-01
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)

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The account is from XXXX XXXX XXXX on behalf of XXXX in the amount of {$890.00}. I have no knowledge of either of these companies, nor was I contacted or notified of any such charges. All of my personal accounts are in good standing. I would never allow anything to go into collections. Upon my own research, there have been numerous instances of this same exact thing happening to other people. I have attempted to contact this company without success, the number given was provided after speaking with both XXXX and XXXX. I need this removed from my credit report immediately because it's hindering me from obtaining my financial aid for medical school. This is URGENT.
Consumer complaint received 2024-05-15
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)

please delete the following accounts and inquiries. i recieved emil from the bureaus saying there is a 3rd party? no this is wrong i'm the one who send all my letters. please make an action regarding this matter. i sending my dispute several times. please delete this time or i have no choice to sue! here 's the list of accounts XXXX to be delete Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Date XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date XXXX Balance : {$960.00} XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-14
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. (MD)

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' I do not have a binding agreement and after submitting a request, they have failed to furnish physical proof of alleged accounts. 

Alleged List debts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Asking to remove.
Consumer complaint received 2024-06-03
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (MI)

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified by the XXXX credit bureaus ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected : XXXX XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$700.00}
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-06-06
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)

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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-06-06
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. (WA)

Multiple investigations & Inaccuracies in Reporting on Account XXXX XXXX XXXX XXXX XXXXXXXX I am writing to address the persistent inaccuracies in reporting on my XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Despite repeated requests, provision of evidence, and submission of screenshots clearly illustrating the inaccuracies, the account has been inaccurately verified multiple times. This egregious oversight constitutes a violation of my rights as a consumer under the 15 U.S. Code 1681i. 

According to the law, consumer reporting agencies are mandated to conduct a reasonable reinvestigation when disputed information is brought to their attention. Furthermore, any found inaccuracies or unverifiable data must be promptly deleted or corrected. 

However, in addition to the previously mentioned inaccuracies, there are further discrepancies exacerbating the situation. Specifically, Equifax is erroneously reporting the account as a XXXXXXXX XXXX account, while XXXX and XXXX correctly identify it as an XXXX XXXX account. Additionally, the account number provided by Equifax ends in # XXXX, whereas both XXXX and XXXX report the same account with a different number. 

These glaring inconsistencies compound the severity of the situation. It is evident that there are multiple inaccuracies within the reporting system, severely impacting my financial standing and rights as a consumer. 

I demand immediate and thorough action in accordance with the law. The inaccuracies on my account must be rectified, and the account itself should be deleted if it can not be verified accurately. Failure to comply will result in further escalation of this matter to the appropriate regulatory bodies and legal authorities. 

Please be advised that I will be resubmitting the screenshots to illustrate the inaccuracies once more. This represents the final attempt to resolve this issue directly. Should no satisfactory resolution be achieved, I will have no choice but to seek legal counsel to address these violations and pursue appropriate remedies. 

I expect prompt and decisive action to rectify this matter and restore accuracy to my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Equifax sent an email about an update. The update does not make it clear what actions were or were not taken regarding my challenge of incorrect information being reported. 

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX XXXX XXXX XXXX which is not the original debtor isn't reporting accurate information. Additionally Equifax lied on the update saying my concern wasn't clear. 

The concern is the date and this being outdated. Accounts must be removed according to the opening date. The opening date was XX/XX/XXXX.
Consumer complaint received 2024-07-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Neighborhood Assistance Corporation of America ("NACA") (TX)

On XX/XX/2024 at XXXX PM, I had an appointment with XXXX regarding a mortgage loan application. 

On XX/XX/2024, XXXX XXXX ( XXXX XXXX | XXXX # XXXX ) Told me to complete a few more documents in the online portal and that she would submit the file to underwriting. However, I never heard back from her again. 

I submitted email request on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for an update. On XXXX XXXX, 2024 at XXXX, XXXX XXXX XXXX a case worker ) responded saying XXXX XXXX never submitted my application for a mortgage and she was unsure as to the reason for the extreme delays. 

In addition, I was Required to pay two membership fees of {$25.00} each ( a total of {$50.00} ), and to upload several financial statements and records to their online portal for loan qualification. 

As of this complaint date, I have never received a response from the XXXX XXXXXXXX XXXX XXXXXXXX XXXX and I was never refunded for the membership fees required to submit my application.
Consumer complaint received 2024-06-08
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)

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  # XXXX Account Name XXXX XXXX XXXX  # XXXX Account name XXXX  # XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2023-11-16
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. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-08-03
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. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following accounts : XXXX Bank Account # : XXXX Balance : {$1700.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$1000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX XXXX Balance : {$800.00} Opened : XX/XX/XXXX Additionally, the following XXXX accounts are also fraudulent : Account # : XXXX - Balance : {$5500.00} Account # : XXXX - Balance : {$2300.00} Account # : XXXX - Balance : {$1100.00} Account # : XXXX Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$5000.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$3800.00} Account # : XXXX - Balance : {$1500.00} Account # : XXXX Balance : {$2000.00} I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of an Official Police Report and FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB (GA)

I reached out to Klarna Inc to refund my money from an unauthorized transactions. The transaction occurred over six months for a total of {$3000.00}. Which were XXXX each. I was told two days ago that a representative would contact me to provide my bank claim information. I haven't received a call or email from the company about this compliant. Can someone please reach out to me so we can resolve this matter and get my funds returned back to my bank account. Thanks!
Consumer complaint received 2023-09-12
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. (IL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This complaint is related to a prior complaint of Equifax reporting and investigation of this issue. Equifax reply was inaccurate, unsupportive and lacked evidence to respond back in the prior complaint # XXXX made on XX/XX/XXXX and Equifax replied back on XX/XX/XXXX in capital letters, Bureaus Equifax VERIFIED THAT THIS ITEM BELONGS TO YOU was completely false, misleading and unsubstantiated response! Ive already sent certified and delivery confirmation letters with delivery proof to this entity, the Bureaus collection company to send verification information as well as cease and desists all affiliated agents to stop contacting me as well. This was on XX/XX/XXXX and received by this alleged entity, The Bureaus on XX/XX/XXXX and XXXX XXXX with no response other than copies of a billing statements. AGAIN TO EQUIFAX REPORTING, DO YOUR JOB!! This item must be returned immediately and it is not verified as you have stated. False, misleading information on your part has been provided to this government agency, the department of consumer affairs as to this complaint. I have already filed proof of this alleged entity is not mine and for Equifax to accept just copies of someones billing statements that show NO PROOF of this being mine is outrageous and unethical conduct by Equifax reporting agency. I will file a formal complaint against Equifax for false and misleading investigation practices to the the Federal Trade Commission and my State Attorney Generals Office for further action against Equifax reporting.
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)

In accordance with the Fair Credit Reportingact. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 or crimes which antedates the report by more then 7 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-18
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. (NY)

XXXX XXXX XXXX XXXX has failed to provide documentation of the car dealership called XXXX. XXXX XXXX XXXX that XXXX spoke with on XXXX and XXXX without my consent. The auto loan transaction was a fraud transaction from the beginning. XXXX XXXX XXXX failed to check the VIN report. Failed to check the correct car value of the vehicle that was price at XXXX not XXXX. XXXX XXXX XXXX XXXX is putting a car that belong to another customer as my responsibility. The customer brought the car from the correct car dealership called XXXX XXXX XXXX  with the title of the car. XXXX XXXX XXXX XXXX is falsely reporting the auto loan account has passed due for XXXX, XXXX as of XX/XX/year>. XXXX XXXX is aware the car belongs to someone else. Management is aware of the car dealship stating the car was sold to another customer. Refusing to clear the balance on a close account that is negatively impacting my XXXX XXXX. There should no balance on this auto loan this is fraud. 
This is due to XXXX XXXX XXXX negligence the transaction is a fraud business exchange. Dispute auto loan and fraud payment history from my credit report. XXXX XXXX is charging me interest on my credit card as of XX/XX/year> XXXX has taken {$520.00} from my credit credit to pay the auto loan that is a close account. This is fraud, and theft and false information. I want my reimbursement for my credit card this is retaliation against a customer.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

The listed account ( s ) below has violated my federally protected consumer rights to privacy rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. An according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual whom the report relates according to 15 USA 1681 ( e ) ( b ). According to 15 USC 1681 5, they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 s-2 they are suppose to not furnish any information relating to consumer to any customers reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.