davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am filing a complaint regarding the inaccurate reporting of a charge-off on my consumer report by XXXX XXXX ( Account XXXX XXXX XXXX XXXX. The IRS considers a charge-off as ordinary income that is taxable. The IRS treats any canceled, forgiven debt, or charge-off debt as income. 

However, the aforementioned company has reported this charge-off on my consumer report as a debt. This creates a contradiction : if the debt has been considered income for tax purposes, it should not simultaneously be reported as an outstanding debt on my consumer report. 

Furthermore, as stated in a blog post by Experian ( available at https : //www.experian.com/blogs/ask-experian/does-a-credit-report-show-income/ ), " Income is not part of your credit report. While lenders may consider income during the lending decision process, they typically obtain this information directly from the applicant and not from the credit report. Therefore, income is not a factor in credit scoring systems that rely solely on credit history. '' Also, according to the IRS guidelines, if a debt is forgiven or discharged for less than the full amount owed, the forgiven amount is considered canceled and no longer requires repayment. If there is no repayment required according to IRS guidelines, why is the account still showing on my consumer report as debt? 

These discrepancies constitute serious inaccuracies in my consumer report. Under XXXX XXXX XXXX XXXX ( b ) - Compliance procedures, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports. 

I request that this inaccurate information be removed immediately from my consumer report.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have always made timely payments on this account, and it is therefore absurd that my account would indicate otherwise. Please update my account to reflect this, as I have always paid on time and it is unacceptable that it should suggest otherwise.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Recently tried purchasing a new home and was advised of inaccurate items on my credit report. Ive also tried purchasing a car and was unsuccessful in my purchase and had to have my wife get the car loan in her name because of these accurate items.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

The problem with this credit card that reporting is I do not use it very often had the card since XXXX and paid bills on time never had an issue once charge a late fee due to no fault minds and was credited back here now opened card back up and use it again as of XX/XX/XXXX the first payment was due on XX/XX/XXXX which wasn't aware of due date until search account on XXXX reason it paid late I didn't realize the due date and pay it on XXXX afterwords I was charge XXXX late fee now again here it is XX/XX/XXXX, now making another payment which is due on XXXX Due to honest mistake not utilizing the card often and having multiple monthly bills thinking this bill due on XXXX of the month now they charging another late fee for being one day late I contact the company explains honest mistake they refuse to at least credit back XXXX of the late fees charged or both also change the due date to later day to avoid this happening again within two months been charge the twice late fee-paying unnecessary out pocket expense of XXXX the company management refuse to honor resolution something should been done as loyal customer of there service or granted grace periold before late fee charge requesting support to remove the late fees charge on this account and refund back into my balance
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-09-18
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. (PA)

I, XXXX XXXX recognized unauthorized, fraudulent credit inquiries on my consumer credit report on XX/XX/2023. Here is the list of unauthorized inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. 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.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was a victim of identity theft and again this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-05
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. (LA)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-05-28
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)

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. These accounts contain inaccurate information in their reporting. Compensation of {$1000.00} is expected for each mistaken entry on my credit file.
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: Experian Information Solutions Inc. (DC)

I discovered that some of the items 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2022-12-08
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 LETTERS FOR REFERENCE
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I would like to apply code 15 Usc 1681 to all of these creditors on my credit report and also to these hard inquiries on my credit report. Thank you. 

Creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

Dear Consumer Financial Protection Bureau, I am writing to report an issue with KeyBank, which has frozen all of my accounts, online banking, and credit and debit cards over a legitimate check that was posted on XX/XX/XXXX. My name is XXXX XXXX and I have been a loyal customer of KeyBank for many years. I am extremely frustrated by the situation I am currently facing. 

On XX/XX/XXXX, I deposited a check into my KeyBank account. The check was legitimate and was for a considerable amount of money from my insurance company. However, when I attempted to access my account online a few days later, I found that all of my accounts had been frozen. I was unable to use my credit or debit cards, and I could not even access my account to see what was going on. 

I immediately called KeyBank customer service to find out what was going on. After several transfers and long waits on hold, I was finally informed that my account had been frozen because of a security issue related to the check I deposited. The bank claimed that they needed to verify the legitimacy of the check before they could release any of my funds. 

I provided KeyBank with all of the necessary documentation to prove that the check was legitimate, However, despite my best efforts, my accounts remain frozen and I am unable to access my funds. 

This situation has caused me a great deal of stress and financial hardship. I rely on my KeyBank accounts to pay my bills and support my family, and I am now unable to do so. I feel that KeyBank 's actions are unfair and unjustified, and I am seeking your assistance in resolving this issue. 

I kindly request that you investigate this matter and take appropriate action to help me regain access to my accounts and funds. I would also appreciate it if you could ensure that KeyBank does not take similar actions against other customers in the future without proper cause. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28
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)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on my report on an authorized user account that shouldnt even be on my credit report i didnt authorize to even report on my credit report the account is XXXX XXXX opened XX/XX/year> and an {$18000.00} i hope youll can resolve by investigating and erasing this account promptly and immediately
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXXXXXX XXXX XXXX XXXX  
TO WHOM IT MAY CONCERN
I recently received a copy of my XXXX credit report, 
and I noticed a late payment  posted on my credit report for the company below:
XXXX XXXX  ACCOUNT NUMBER XXXX-XXXX
LATE PAYMENT DATE XXXX  
Your company is in clear violation of the law. Under 15 USC 1681b- Permissible 
purpose of consumer reports. The LAW CLEARLY STATES:
(A) In general
Subject to subsection (c) Any consumer reporting agency may furnish a 
consumer report under the following circumstances and no other:
(2) In accordance with the written instructions of the consumer to whom it 
relates.
I did not give any written or verbal consent to furnish this information on my report.
Furthermore, the fair credit reporting act 15 USC 1681 (2) (a) (i) exclusion from a 
consumer credit report clearly states
(A) EXCLUSIONS- Except as provided in a paragraph (3), the term consumer 
report does not include - 
(A) Subject to section 1681s-3 of this title, any - 
(I) Report containing information solely as to transactions or experiences 
between the consumer and the person making the report:
Reverse the above late payments from my consumer report, this agency is in 
violation of 15 USC section 1681
Failure to respond satisfactory with reversing of the above referenced account, 
and send out a free copy of my report after the changes have been made will 
result in legal actions being taken against your company, for which I will also be 
seeking $1,000 per violation for:
1. Defamation of character (per se)
2. Negligent Enablement of Identity Fraud
3. Fair Debt Collections Practices Act 15 USC S 1692g violations
4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliances616 Civil liability for willful noncompliance [15 USC S1681n]
Best Regards,

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (PR)

My wife and I purchased a dishwasher in-store and it was to be delivered in 7-10 days. About a week later, Sears called and said the dishwasher that I ordered was not in stock. They said they were going to cancel the order unless I wanted to wait 3-4 weeks for it to be ordered and shipped to the store. I needed it ASAP so they canceled the order and refunded me the money of the dishwasher and delivery fee 100 %. 

However, they charged me a {$140.00} restocking fee. They did not have the product in-stock to be able to restock it. I really wanted the dishwasher, which is why I bought it, but they ultimately did not have it. 

Also, they had me sign-up for the Sears Shop Your Way Mastercard to get a discount. So I did. After they refunded me the money, I received a credit card statement with the {$140.00} charge. I disputed that with Mastercard. A couple of months later I found out that they sided with Sears on the restocking fee. No notification had been sent to be, it was only when I contacted Mastercard again. So I opened another case. 

I had a XXXX credit score, but due to a missed payment ( my only one ever ) for this purchase with Mastercard, my score dropped 110 points for something that I am not responsible for. 

They then said to call Sears, which I have probably done 50 times and they just keep passing me off. Then they said to go into the store which I purchased, which was closed for 3 months due to the pandemic. When they finally opened, they had no information on my order. 

My wife finally spoke to someone on the phone that was able to find my order information and original receipt and they said that I signed saying that there would be a restocking fee if canceled. 

Again ... .I DID NOT cancel. Sears canceled because they could not produce the dishwasher that I had purchased in the store.