davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-31
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: AMERICAN EXPRESS COMPANY (NY)

Dear Sir or Madam, I am writing to seek assistance regarding an unresolved issue that originated in XXXX with American Express. Despite repeated attempts to resolve this matter directly with the company, I have not received a satisfactory resolution, which prompts me to request your intervention. 

In 2020, I held an American Express XXXX XXXX credit card. During that year, I received an upgrade offer directly from American Express to upgrade my card to the American Express XXXX XXXX XXXX. The terms of the offer included making a specified amount of spending to receive an upgrade bonus of approximately XXXX XXXX points. I accepted this offer, upgraded my card, and met the spending requirements as stipulated. 

However, the promised bonus points were never credited to my account. I have contacted American Express customer service numerous times, spent many hours in discussions, and even sent a formal letter to their headquarters in New York, seeking a resolution. Each time, my claims have been denied with the response that no such offer was attached to my card. This has been extremely frustrating and time-consuming. 

I have since closed that particular card and currently hold another American Express XXXX XXXX XXXX card. However, the issue of the missing XXXX points from the previous card remains unresolved. 

Given the circumstances, I kindly request the Consumer Financial Protection Bureau to assist me in this matter. I believe that an investigation into this issue may necessitate a review of the communications and promotions sent by American Express to its customers, as well as their internal handling of such offers and customer complaints. 

Thank you for considering my request. I am hopeful for your support and am looking forward to a resolution that recognizes the commitments made to me as a consumer. 

Sincerely,
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

This is a prepaid card. Square has an obligation to follow state, federal, and visa/mastercard rules and not stall for 10 days to process a disputed transaction. 

Further, the same restaurant merchant where the disputed transaction has been initiated has a duplicate pending transaction which has removed funds from the account for 8 days and still counting as of this filing : XX/XX/XXXXXX/XX/XXXX thoughXX/XX/XXXXXX/XX/XXXX. 

Note : The support representative uses more abusive stall tactics by ask for an email address, when there is already a dedicated secure square email on file : XXXX.
Consumer complaint received 2024-02-04
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. (SC)

The consumer reporting agencies are acting in willful noncompliance. Ive informed them that this information is inaccurate to which they continuously update it as valid.

Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE.

Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974.
Consumer complaint received 2024-01-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit acceptance is charging me for a 2013 XXXX XXXX that is over priced and I have high entrance rate and come to find out the car is not worth that much i been tryna to get it removed and I have multiple late payments that need to be cleaned up
Consumer complaint received 2023-07-18
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. (MD)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$47000.00}
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-11-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

The debt collector, Columbia Debt Recovery XXXX, XXXX XXXX, is trying to collect on a debt for an apartment rental that my family left from mid lease. The reason we left the lease early was due to an unsafe living condition that the landlord did not address. My family was threatened and intimidated by another tenant multiple times due to race. Threats were made directly to our XXXX XXXX XXXX daughter due to race. The landlords response was they would not do anything until there was a physical attempt to harm us be the other tenant. To keep our daughter safe, we moved out of the apartment. 
We have police reports on this manner as well.
Consumer complaint received 2024-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i do not recognize these credit inquires and i have asked for them to be removed. the bureaus didnt remove i am providing a identity theft report and requesting them to be removed because they are inaccurate and not mine.
Consumer complaint received 2024-02-04
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. (PA)

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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 form the file of the consumer, or modify that item of information, as appropriate, based on the 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. Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-05-07
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

To whom it may concern, This complaint is against XXXX, XXXX, AND EQUIFAX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of XXXX.

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. XXXX, XXXX, AND EQUIFAX are in direct violation of this law by reporting my transaction history ( private information ) illegally WITHOUT my WRITTEN CONSENT for XXXX XXXX XXXX account # XXXX  and XXXX XXXX XXXX  account # XXXX. Reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Fair Credit Reporting Act compliance. Per 15 USC 6802 I am now exerting MY RIGHT to OPT OUT of sharing my transaction history. All transactions reporting as late on XXXX XXXX XXXX account # XXXX  must be deleted and updated to paid as agreed. All transactions reporting as late on XXXX XXXX XXXX  account # XXXX  must be deleted and updated to current/paid as agreed. A response of this account has been " validated ', will not be accepted as I am not asking you to validate or verify anything. XXXX, XXXX, AND EQUIFAX are reporting the account XXXX XXXX XXXXXXXX XXXX Account # XXXX  in the amount {$520.00} as a charge off on my credit report. The IRS CLEARLY defines a CHARGE OFF as a CERTIFICATE OF INDEBTEDNESS which is now INCOME. INCOME CAN NOT be reported on THE CONSUMER REPORT which makes reporting of this account INACCURATE and in violation of 15 USC 1681. Additionally, the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt XXXX, XXXX, AND EQUIFAX reporting collections/Charge-Offs XXXX late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Klutch Technologies, Inc. (CA)

I have a credit balance of {$60.00} with the creditor. I asked the creditor to close the account and refund the balance. Creditor shockingly stated that the amount would be " forfeited. '' I provided the CFPB regulations to them and they said that they would be sending me a check. I still do not know whether the creditor closed the account and whether a check has been issued.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (CA)

Credit report for XX/XX/year> I pay everything on time every month with out skipping a beat your the only credit agency dropping my XXXX XXXX XXXX points please explain in detail how when XXXX and XXXX are giving me points. Everything is identical to each other I have everything pretty straightforward over XXXX  years now y'all want to drop it XXXX points out of the blue. I'm pretty perfect and extremely confident and perfected the way I pay my bills been doing it all my life so there's no excuse for this.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-04
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (SC)

XXXX XXXX XXXX payment they XXXX XXXX XXXX XXXX XXXX XXXX wasnt over 30 days late I will paid them on a later date because my work got a little show so I had to pay on a later date but my payments was paid that same month but a later date and for XXXX XXXX XXXX XXXX they did me the same way I will like my account to be back to pay on time not late payment I try to dispute the payment but they didn't investigate Credit Acceptance corp
Consumer complaint received 2024-04-15
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: Experian Information Solutions Inc. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2024-02-04
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : US DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I " XXXX XXXX XXXX XXXX  have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
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. (TX)

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. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.