davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

To whom it may concern i am an consumer i have repeatedly tried to contact Equifax, XXXX, and XXXX via letters and they have repeatedly and purposely avoided fixing the issues, with my consumer report, on the date of XXXX i sent my first certified letter with no response for months and i sent more letters and still no response. the letters stated that Equifax, XXXX, and XXXX were inaccurate reporting items on my consumer credit report.I read according to 15 U.S. Code15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Consumer complaint received 2024-01-25
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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 2024-04-11
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: Experian Information Solutions Inc. (CA)

I am sending this complaint to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX 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 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had applied for the Capital One XXXX credit card on the Capital One website where there was an advertisement for a " {$200.00} sign up bonus when you spend {$500.00} or more within the first 3 months of card opening ''. I clicked the link directly associated with the advertisement. After 3 statement cycles, I am still waiting for the bonus. I called Capital One several times, but the agents always say that I was not eligible for the bonus upon signing up and there is no bonus associated with my account. This is extremely misleading to me as a customer. If I am clicking on a link directly associated with an advertisement, but then am " not eligible for the bonus '' 3 months later, that is deceptive.
Consumer complaint received 2024-01-24
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)

I am writing to address a serious matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) concerning the reporting of account XXXX. It has come to my attention that your company has reported inaccurate information to the credit reporting agencies, which is a direct violation of my consumer rights. 

The account in question was paid in full in XXXX, and it is erroneous that XXXX XXXX is reporting the date last active as XXXX. This discrepancy misrepresents the accurate information regarding the account status and activity. 

Furthermore, there was a prior agreement that this account would be removed from my credit report upon payment. Despite this agreement, the company has failed to uphold its commitment, resulting in a direct violation of my rights to have a fair and accurate credit report. Lastly this company is nonexistent, so there is no way that you could have verified this information. I have called the number provided and googled the address and the company is XXXX XXXX, so Equifax and XXXX are reporting inaccurate information. 

I am formally demanding the immediate removal of account XXXX from my credit report. This removal should be completed within 30 days from the receipt of this letter to avoid further legal action. It is imperative that your company rectifies this situation promptly to ensure compliance with the FCRA. 

Please consider this letter as an official notice of my intent to pursue legal action if the requested removal is not executed within the specified timeframe. I trust that you will take this matter seriously and take the necessary steps to address this issue promptly and effectively.
Consumer complaint received 2019-11-15
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: EQUIFAX, INC. (SC)

Equifax, XXXX, and XXXX  are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. XXXX  is reporting 19   inquires on my credit that I did not authorize. Please remove all incorrect information.
Consumer complaint received 2024-04-11
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: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-11
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. (FL)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2024-08-01
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-11
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-25
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. (GA)

XXXX, EQUIFAX, AND XXXX are inaccurately reporting the account ( XXXX XXXX XXXX XXXX ) as a debt when it is income. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate and it must be removed! 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Not only is this account reported as a charge off ( income ). In the Comment section of the EQUIFAX consumer report, this account is listed as " medical '', ONLY on this EQUIFAX consumer report and not the other two. The reported income is not related to anything Medical and therefore is inaccurate.

XXXX XXXX XXXX acco unt MUST be removed from my consumer report! 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, Transunion, & Experian are not maintaining reasonable procedures.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, & XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

I have attached a screenshot from Publication 4681 ( XXXX  ) from the IRS, as well as, the associated XXXX XXXX XXXX account that is inaccurately reported on my consumer reports
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

According to the FCRA, this is against my rights. This Account was paid and closed on XX/XX/year> but all 3 credit bureau keeps reporting monthly on my credit report. Its showing last update on XX/XX/year> but it was closed and paid in full in XX/XX/year>. This is inaccurate and it needs to be changed and corrected. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-11
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: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-24
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. (AL)

Ive submitted certified disputes regarding unauthorized account investigations including supporting documents including the cfpb complaints and FTC Report accounts still reporting requested for deletion of account now monetary request for violations and illegal reporting and misleading XXXX  disputes and certified request XX/XX/XXXX XX/XX/XXXX In violation of consumer laws 15 U.S. Code 1692e - False or misleading representations R 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

US Code 1681 e ( b ) collections must be XXXX XXXX  accurate across all 3 bureaus XXXX XXXX : Violation of 15 usc 1635 right of recission
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc. (GA)

On XX/XX/2023, I called Wisely Bank to have funds transferred from my primary card to to my secondary card. The deposit was made on XX/XX/2023 for {$510.00}. It's my only income and is a monthly social security XXXXXXXX payment. When I lost my job, my online access to the account became unavailable because it was trying to send confirmation codes to a work email address and phone number that I no longer had access to. I had lost the primary card, but couldn't have a new one mailed because the would not change the home address on my account because I couldn't verify the email or phone number. So every month, I call to have the funds transferred from the primary to the secondary card. The agent I spoke with transferred the funds into a savings account instead of the secondary card. When I called back to correct the problem, I was told that it was an error that it was moved into the wrong account, but it could not be moved into the correct account. I told them I had to have access to my money so they escalated the call to a supervisor. The supervisor told me they could move it one time " as a courtesy '' since it was their fault it was put into the wrong account. Again, I checked my account and no money. I called again, spoke to a SECOND supervisor who told me that the money would be available in " a couple of hours ''. That was at XXXX. At XXXX, I checked again, still no money. The agent I spoke with told me that it was " escalated '' and waiting to be approved by another supervisor and to call back today, XX/XX/2023. I called this morning, and spoke with a supervisor who told me that there is absolutely no way to move the funds out of the savings account back into the checking account so I can access it. So I was lied to by two separate supervisors and still can't access my money. I asked for them to change the phone number or email address on my account so I can access it online but they told me that I have to send a copy of my driver 's license with a utility bill in my name. I do not have ANY utilities in my name, they are all in my husband 's name. So now, they have my money and I am completely at a loss as to how to get it back. Please, please help me.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Experian Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC. (IL)

XXXX has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am reaching out to address accounts that you have also failed to notate this accounts as in dispute when I have disputed before. Also, you are reporting this account incorrectly as a repossession when it has a good payment history and has already been PAID. THIS IS INACCUARTE REPORTING! Youre the only one reporting this account like this.
Consumer complaint received 2024-01-25
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 2024-01-25
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (TX)

I had made a purchase with my Ally card for XXXX, and then canceled the order with the merchant. For some reason ally decides to take that money twice and my balance goes negative. Now, I get my refund, but my balance shows around XXXX but my available balance is only around XXXX dollars. Also that extra pending charge is still on there. Customer support has been completely unhelpful giving the same automated responses and not resolving my issue. They are holding my money for no reason.