davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-08
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)

Filed dispute with Equifax on XX/XX/2024. Equifax completed the dispute same day. Therefore, I believe no investigation was attempted. I received dispute results same day I filed the dispute & it was marked completed & updated. In addition, names listed are inaccurate. I've only used XXXX XXXX XXXX. No other names. Phone & addresses are also inaccurate. I live at XXXX XXXX XXXX in XXXX, TX XXXX & my phone number ends XXXX. I am unaware of any other addresses or phone numbers listed on my report.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-28
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. (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 2021-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: World Acceptance Corporation (TX)

I had rented items from this store/ loan company. I returned the merchandise and they still put it on my credit saying I owe over XXXX $ I was told even though I returned merchandise I still had to pay for it. I believe that is against the law. How would pay for something that I don't have. I would like this removed from they system and my credit. I logged in there account and still showing I owe over 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. (CA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-07-31
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-20
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. (FL)

I am a victim of fraudulent information reporting and I am refiling this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-09-16
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: U.S. BANCORP (CA)

To whom this may concern. I need the assistance of your department. Im having issues with either US BANK or the credit reporting agencies. It has gotten to the point of just down dirty disrespect!! 
Whats going on is, this is the third time my score has been abusively pushed back to the mid XXXX. During the past 2.5 yrs. of building my credit, It has had various highs and lows of which I thought nothing of until just recently! 
I was using XXXX XXXX as a method to monitor my credit. After achieving a XXXX score the next reporting cycle my score dropped to XXXX?!! Which was the score I had when I first started building my credit. I contacted XXXX XXXX and was told that I have a thin file ( meaning I have no history ) and I need to contact the USBANK. Before I contacted US BNK I received an email from XXXX urging me to check out my credit score thru their credit view. When I clicked on the link I was directed to USBNK  login. I logged in and found out that my credit history was available I click on the latest history and saw that my score was reduced to XXXX! Then the following report it was increased to the mid XXXX again. So approximately XXXX points vanished from my credit score. 
When I saw that I felt cheated and disrespected. I started to wonder is this the reason Im having a hard time breaking XXXX? 
This is my third complaint about inaccurate reporting of my credit history. Ive reported the first two inaccuracies to the, Consumer Recovery Department. I dont think me writing to them again is going to stop this foolishness and unfairness! 
I feel that Im personally being held back for reasons I have yet to discover. These feelings may not be reality but looking at where my score is and comparing it to my history seems to be really hopeless, daunting, discouraging and a attack on my finances which are real feelings. 
I want a investigation started to solve this problem and I want my score adjusted back to XXXX plus the points I earned while Im waiting for this to be resolved. 
Ive included pics of my credit history thru XXXX ( credit view ) via USBANK or visa versa. I notice that when my score was deducted points, there were a lot of points taken. But when I gained/earned points the amount was minimum in comparison. 
If you need to contact me, I can be reached at XXXX or XXXX XXXX XXXX Thank you
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Upgrade, Inc. (OH)

Between XXXX XXXX one of these days I found a website called upgrade.com I assume you can apply for a credit card with this card company. I submitted my social security number and address and phone number after to come to a page that requested me to submit my banking information. So I stopped. I don't understand their application process. And I called Saturday XX/XX/2023 their customer service to see if they could delete the application along with my personal information, they said they will hold on to my personal information for 5 years. Every consumer have the right to change their mind, and don't want to be bothered with this offer. I just want them to delete my personal information that is all. 
This is suppose to be a credit card company : Upgrade com address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Most websites allow you to delete your personal information.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

Dear XXXX, Equifax, and XXXX, I am writing to request an update to my employment information in your records. I am currently employed by XXXX XXXX as of XX/XX/year>, and I believe your records may still reflect my previous employment with XXXX XXXX ( XXXX ). Please update my employment status to show my current position at XXXX XXXX if this change has not been made already. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (TX)

I was contacted by MRS BPO , LLC on XX/XX/year> ( Tuesday ), at XXXX XXXX central standard time regarding a debt with XXXX XXXX XXXX. I did not get the representatives name, however I did inform her that I did not want to be contacted regarding this debt with any form of oral communication at the following number XXXX. I did inform the company that information regarding this debt, they can contact me through mail. I specifically told them to cease and desist all communication to the following number XXXX. I gave them my address and the representative, asked me what was the debt regarding and I informed of the type of debt, which I found to be peculiar that I was asked the nature of the debt. On, XX/XX/year> ( Wednesday ) at XXXXXXXX XXXX central standard time, MRS BPO , LLC contacted me again at the following number, XXXX, regarding the same exact debt. I do not have the representative 's name. I informed the company that I spoke with someone on XX/XX/year> and I told the representative that I have spoken with someone from their company to not contact me at the following number. The representative informed that she did not have the information noted and that it must have been another company that reached out to me. I told that she was mistaken and that I specifically told someone from her company not to contact me orally and that I only wanted to be contacted through mail.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX. I A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023 I was charged a maintenance fee of {$15.00} dollars on my checking account. I have been seeing this charge and other fees more often on my account even though I comply with requirements. My checking account is free of charges as long as I keep a minimum of {$100.00} dollars. On XX/XX/2023 I went overdraft on my account due to a merchant processing a payment late. I was charged an overdrawn fee of {$35.00}. But there is grace period to avoid the fee of {$35.00} if you make a deposit which i did same day. The overdraft fee was reversed of {$35.00} and I complied. But on XX/XX/2023 I was charged a maintenance fee of {$15.00} even though I complied with the requirements of maintaining my account above {$100.00} within the grace period of same day bringing the account to good standing. These fees are misleading and deceptive that TD Bank is charging because even though you comply with the requirements, they still charge a fee later of hoping that you will not notice. These fees are deceptive and even though I complied by making a deposit and avoiding the overdraft fee of {$35.00} and low balance fee of {$15.00} I was still charged at the beginning of the month the {$15.00} dollars. I feel that if I complied and kept my account in good standing that I should not be charged any fees. But TD Bank has a tricky system that will still charge you the fees even though you are within the guidelines. Please see an email I got regarding " grace period '' guidelines that I did follow but was till charged the fees. There has been other feed added overtime such as ATM fees, balance inquiry fee, ect. Most of these fees are bogus ATM 'S that automatically process without you even asking for a balance and not my request of fault.
Consumer complaint received 2023-09-16
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)

I currently have Three accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (GA)

I am writing to formally dispute an issue I have encountered with XXXXXXXXFORTIVA, regarding their failure to remove a late payment entry from my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in rectifying this matter. 

I contacted XXXXXXXXFortiva in writing, requesting the removal of a late payment entry on my credit report, which was inaccurately reported. I provided supporting documentation demonstrating that this late payment was erroneous and should be corrected immediately. Under the FCRA, creditors are obliged to investigate disputes and correct any inaccuracies promptly.

However, to date, XXXXFORTIVA has not taken any action to correct this error on my credit report, despite the ample evidence I provided. This has had a detrimental impact on my credit score and financial standing, which is causing me significant distress. 

I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that XXXXFORTIVA complies with federal law by promptly investigating and correcting this inaccurate reporting on my credit file. I believe this is a clear violation of the FCRA, which mandates that accurate information be reported and that disputes be resolved in a timely manner. 

I trust that the CFPB will take appropriate measures to address this issue promptly. 

I appreciate your attention to this matter and look forward to a resolution that ensures the accuracy of my credit report as required by law. 

Thank you for your assistance in rectifying this.
Consumer complaint received 2023-09-16
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. (GA)

These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. 

They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. 

Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NE)

On XX/XX/XXXX, I made a purchase from XXXX for {$1900.00}. The packages with tracking numbers XXXX and XXXX were returned to the sender. It is now XX/XX/XXXX, and I have been denied my refund once by XXXX, and multiple times through multiple disputes through my credit card. 

I submitted the first dispute on XX/XX/XXXX, which was resolved in the merchant 's favor. I made another dispute on XX/XX/XXXX, but PayPal Credit never opened the dispute for me. I called four customer support representatives, who promised it would be opened, but it never was. I created a third dispute on XX/XX/XXXX, which was resolved in the merchant 's favor on XX/XX/XXXX, with the same exact evidence from the merchant as the first dispute in XXXX. The XXXX tracking page clearly shows the packages were returned to the sender and signed by their warehouse. Now, so much time has passed that XXXX no longer holds that tracking information. Luckily, I have everything documented from my dispute in XXXX, including screenshots of the tracking pages. 

XXXX XXXX evidence claims that even though the packages and tracking information indicate they were returned to XXXX  ( signed by them ), I am lying and still have the products. This makes no sense and seems like they are taking advantage of my friendliness. I will provide all of the documents on this complaint.