davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be updated to status of : Paid, XXXX Never Late as it should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (TX)

Hello, I am writing to address an error regarding the {$92.00} fee scheduled for XX/XX/XXXX. According to the fee saver schedule attached to this email from the NetCredit.com site, the correct amount should be {$88.00}. 

After my XX/XX/XXXX payment, my total amount due was {$2000.00}, as shown on my most recent statement posted on the website. The fee saver schedule, current as of XX/XX/XXXX, indicates that the correct fee amount should be {$88.00}, not {$92.00}. I have also attached photos of previous statements going as far back as XXXX, showing instances where NetCredit has overcharged me. I sent multiple emails to the company but yet to receive a response. I also called customer service multiple times but continue to receive no resolution.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Yes spoke to them about the mortgage being incorrect that will information derogatory information as well as a couple of other delinquent accounts which don't belong to me I am indigent so I don't check on the regular basis but when I do I've reported it I've been indigent for 15 years now and this is unfair, upon investigation for the last 15 years of incorrect information and she may be 20 years I will be doing a class civil class action suit but I need you guys to repair this and take it off I work too hard I'm a good person I don't deserve this stuff for my credit report that doesn't belong to me I need action,
Consumer complaint received 2024-01-31
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. (LA)

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 Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am writing to formally dispute inaccurate information on my consumer report, as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), it is imperative that consumer reporting agencies maintain accurate information to ensure fair and reliable credit reporting.pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( E ) ( iii ) The inaccurate information pertains to [ TransUnion stated their information has been verified as Accurate. The document Ive submitted shows the address doesnt support their false finding and According to the Federal Bankruptcy Court House this is called " abusive bankruptcy filing '' how can I file multiple times when chapter XXXX is XXXX  years and XXXX is XXXX  years as well. TransUnion didnt verify these erroneous bankruptcy reports or verified my current address either which Ive sent Transunion have proof of my address which on my credit report. These Bankruptcy arent attached to my current address ]. This information is erroneous and does not accurately reflect my credit history. I have thoroughly reviewed my credit records and can affirm that the information in question is inaccurate.

In accordance with 15 USC 1681s-2, I am requesting that you promptly investigate this matter and correct the inaccurate information on my consumer report. Furthermore, I urge you to comply with 15 USC 1681i ( 5 ) and the Metro2 Reporting Guidelines to ensure the accuracy and integrity of consumer credit information. 
Please find enclosed copies of relevant documents supporting my dispute, including [ list any supporting documents, such as copies of credit reports or correspondence ]. I kindly request that you conduct a thorough investigation into this matter and provide me with a written response detailing the results of your investigation and any actions taken to correct the inaccuracies.

Failure to comply with the FCRA and rectify the inaccurate information on my consumer report may result in legal action. I trust that you will handle this matter with the utmost urgency and professionalism. 15 U.S. Code 1681e /15 U.S. Code 1681n/ 15 U.S. Code 1681o
Consumer complaint received 2024-01-31
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

These credit card companies have been reporting my personal non public information without my written consent. This is a violation of my privacy. 
- This is a violation of the Privacy act of 1974 and 15 USC 1681.

- Per the Fair Credit Reporting Act, as a Federally protected consumer, I am now opting out of ANY and ALL authorization I, the consumer may have given you, written or verbal per 15 USC 6802. 
- These corporations does not have my consent to report my information.
Consumer complaint received 2024-01-31
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (KY)

I bought a laptop from Dell in XXXX and they charge my XXXX credit account ( Comenity ) and they did a pending charge on XX/XX/XXXX and and a final charge on XX/XX/XXXX - both for {$2300.00}. A few days shy of 60 days and both of those charges are still on my credit account and they're reporting that overdrawn amount ( since my limit is only {$3500.00} ) to credit bureaus. I contacted the bank ( twice ) and Dell ( twice ) and they could not care less about fixing the pending charge that won't drop off. They immediately point the finger at the other entity and return to picking their own nose. There is no option with either entity to jump past the incompetent front lines to a competent official who can help.
Consumer complaint received 2024-01-31
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. (FL)

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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$130.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX  XXXX Balance XXXX : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
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)

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
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-15
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: JPMORGAN CHASE & CO. (ME)

Dear Sir/Madam, I am writing this letter to register a complaint against Chase on behalf of myself for the fraudulent charges that were made on my Chase account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have been a victim of identity theft at the hands of Mr. XXXX, and I am currently attempting to correct this issue. 

I was in the hospital in Maine when Mr. XXXX used my Chase account to make the fraudulent charges. Enclosed with this letter are copies of my My Chart records, which clearly show my medical treatment and hospital stays in Maine during the time period my Chase account was used without my knowledge or permission. I also have attached a copy of the XX/XX/XXXX XXXX XXXX Police Department XXXX Report, which states that the charges made on my account were indeed fraudulently made. 

I request that Chase immediately remove the charges that were made on XX/XX/XXXX for {$3400.00} and on XX/XX/XXXX for {$7500.00}. Furthermore, I ask that Chase correct any information that was provided to credit reporting agencies based on these charges. I hope that this matter will be resolved quickly and that I will not have to take any legal action. 

Should you have any questions or require any further information, please do not hesitate to contact me at the address mentioned above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-31
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EQUIFAX, INC. (MD)

I applied for a XXXX XXXX monthly installment plan for a XXXX XXXX purchase of {$210.00} on XX/XX/2024. Despite having an established XXXX account and frequently using their pay in XXXX payments and monthly payment plans, I was denied for this purchase for serious delinquency from information provided by Equifax Credit. After the denial, I accessed my Equifax online account and could not find any evidence of any serious delinquency in my credit report. I attempted to file an online dispute with Equifax regarding the alleged serious delinquency but it was impossible to submit any such dispute because no installment account or revolving account on my credit report with Equifax that I currently have or have had at any time in the past shows any such delinquency. The negative information provided by Equifax to XXXX XXXX in the crssir decision does not allow me to refute any false statements of serious delinquency through their online dispute process and offers me no due process.
Consumer complaint received 2021-02-10
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. (GA)

I have had my identity stolen and have submitted a police report to both the original creditors and debt collectors. The fraudulent items have not been removed from my credit reports. In fact, I have not received a response at all. 

I have been denied employment, credit, and housing due to this issue and have only been able to live in a hotel with no stable residence. I was subsequently homeless once COVID-19 started due to the hotel having fear. 
I have no stable residence to receive mail and prefer to receive correspondence via email, as I am able to check that periodically
Consumer complaint received 2024-05-28
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. (CA)

I applied Citi Premier but was converted to Strata Premier WITHOUT authorization. 
The existing welcome offer of Strata Premier is XXXX and they should honor me the same offer if they changed my account to Strata. 

Contacted Citi and they asked me the send email to XXXX for offer match, but I never hear anything back from the merchant. 

In this case, its a SCAM from Citi, they changed my account initially applied without authorizations.
Consumer complaint received 2024-01-31
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. (CA)

The XXXX along with Equifax have been denying me about all these inquiries on my account. I have given police reports and identity theft reports stating that these inquiries were not mine. Im tired of it. They all need to be removed at once!!! According to 15 USC 1681b I DID NOT GIVE ANY PERMISSION FOR MY CREDIT TO BE RAN ALONG WITH IT BEING PUBLISHED ON MY CONSUMER REPORT! This is illegal to obtain my credit without my permission and you can be sued for it. So XXXX and Equifax need to remove these inquiries. Its a ridiculous amount of inquiries which is crazy and some are one day after the other. Like seriously youre not going to get an approval if you didnt get one the day before. Im tired of fighting especially when I have said it isnt mine its fraud given police reports and so forth. Remove at once.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (AZ)

XXXX XXXX XXXXXXXX has been reporting nonpublic personal information such as transaction history and much more to third-party non-affiliate companies including Early Warning Services , XXXX XXXX XXXX XXXX XXXX, and XXXX. Without my written or verbal consent or any notification prior to doing so. This is a violation of my privacy under the Privacy Act of 1974 and 15 USC 6802-6805.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Incomm Holdings Inc. (IL)

We received a gift card from visa for our wedding gift. After opening the cover we noticed the card number was half removed and so is the security code. I've tried several times to send documents and resolve this with XXXX from debit visa to no success. Can you please help?