davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (PA)

I did not authorize these inquiries nor do I recognize them. Theres an error in my credit report which is a defamation of character and Im asking that these inquires be removed. XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Pursuant to 18 usc 8 I owe no debt, these companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 these companies had no permission to report anything using my info pursuant to 15 usc 1681 4.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-17
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: EQUIFAX, INC. (CO)

To whom it may concern, I have tried several times ( 4 to be exact ) to get XXXX XXXX, XXXX, Equifax, and XXXX  to investigate my credit file as they are reporting inaccurate information. I noticed that they were reporting bankruptcies on my credit file that they received from XXXX which I noticed was also reporting inaccurate information to XXXX XXXX, XXXX, and Equifax. I contacted XXXX by mail, and they advised that XXXX XXXX, XXXX, and Equifax has never responded to their request to initiate an investigation into the inaccuracies that they have been reporting. I have attached letter correspondence between XXXX and I which states that they reached out to all 3 credit bureaus who are simply stating that they will not re-investigate their inaccuracies. I have also put a freeze on my XXXX file until the inaccuracies are fixed by XXXX. I have contacted the bankruptcy courts who stated that they did not report any court filings about me containing my social security number to XXXX, XXXX XXXX, Equifax, or XXXX. Note that I am a " Junior '' and my father shares the exact same name and addresses attached to his credit file. If the original source of those reports ( The Federal Courts ) is stating that they did not provide any information to either of those bureaus regarding any cases, if any that I'm involved in, then how is this being reported on my credit file? Since XXXX, Equifax, XXXX XXXX and XXXX  have all refused to correct those inaccuracies, I am filing a complaint with your office. I have also attached all USPS certified returned confirmation slips that confirm that all four credit reporting bureaus received my disputes and refused to follow the guidelines set forth in the Fair Credit Reporting Act. 

I have also contacted Equifax, XXXX  and XXXX XXXX in reference to a collection account that was added to my credit file without me receiving any notification of this collection account. I have sent four dispute letters to each agency and only Equifax corrected their file to report accurately. Equifax conducted the proper investigation into the frivolous collection account and removed it, then why are the other 2 bureaus refusing to do the same? Any assistance from your office to get these credit bureaus to conduct proper investigations into inaccuracies on my credit files would be appreciated.
Consumer complaint received 2024-05-03
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. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Equifax.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (TX)

In XXXX, I was XXXX XXXX XXXX XXXX XXXX where another driver ran a red light, leading to my car being totaled. The insurance company deemed the car beyond repair. During the period of awaiting the insurance payout, I continued to honor my car loan payments via autopay to BMO. The loan was fully paid off in early XXXX. 

Due to the ongoing autopayments, the final insurance settlement resulted in an overpayment to BMO. Since then, I have been diligently trying to resolve this issue and recover the excess funds. Despite my continuous efforts, including making 18 phone calls to BMO, the matter remains unresolved. 

Each interaction with BMOs customer support has been unproductive, often ending with the call being abruptly terminated, or with promises of a refund check that never materializes. My requests for a tracking number or specific details about the refund have been repeatedly ignored. In my most recent call, I was advised to call back on another day, which only adds to the delay. 

This situation has persisted for four months, during which I have never missed a payment. The lack of assistance and the apparent disregard for my concerns by BMO is both frustrating and disrespectful. I have dedicated nearly 20 hours to phone calls, trying to resolve this issue, yet to no avail. As XXXX approaches, there is still no resolution in sight. 

I am reaching out for assistance in addressing this matter with BMO, as my attempts to communicate and seek a resolution have been consistently met with evasion or empty promises.
Consumer complaint received 2024-05-03
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. (IL)

It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Consumer complaint received 2024-01-26
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-23
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: JPMORGAN CHASE & CO. (WA)

I recently received a copy of my XXXX and XXXX credit report, and I noticed some transactions posted on my credit report that has excluded my federal laws to my consumer report. 

Name of Account : JPMCB CARD Account Number : XXXX This company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) ExCLUSIONS.Except as provided in 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 ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they reported transactions from account # XXXX to my consumer report. 

I need these transactions deleted from my consumer report please.
Consumer complaint received 2024-01-26
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. (NC)

The credit card company is XXXX and their website is XXXX XXXX XXXX The problem is they disengaged the automatic pay feature on my account without notifying me that it was disengaged. When my payment was past due the lowered my available credit which caused my credit score to drop XXXX points. 

I called the company to advise them they disengaged my automatic pay. This conversation took place on or around XX/XX/2024 I would like to have have the company reinstate my previous credit line to restore my credit to the same score it was prior to them lowering my credit limit.
Consumer complaint received 2024-01-26
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)

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2024-05-03
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2022-11-13
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. (MS)

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section XXXX A States I have the right to privacy. 
XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account with my written instrutions. 
XXXX XXXX XXXX ( a ) ( XXXX ) 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. 
XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
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)

Salutations, My name is XXXX XXXX, I am writing to alert the credit bureaus of improper use of my reports. Ive certified mail my FCRA letter, ( attached below ) last month and yet to receive any correspondence. 

Firstly, I would like only my name to display on the report which is XXXX XXXX XXXX Every other spelling please remove. 

Also would like only my main residence to display : XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX alternate or additional address please remove. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction late payments are merely experiences, they should not remain on report once paying as agreed and resumed positively.

Kindly remove ALL late payments from each report.

I will also like any and all inquires removed as well, as I have not given any permission to inquire on my behalf, along with selling my information to third parties, and other consumer reporting agencies. Would like the report to reflect positively where all closed accounts especially the repossession, they are not needed, the debts been discharged and offset by XXXX XXXX XXXX. This is heavily weighing my scoring factor down. 

Again, Ive attached a FCRA letter for your review. 

Thx and I hope we may resolve this matter in a speedy manner. 

XXXX : XXXX XXXX
Consumer complaint received 2024-08-01
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. (WI)

Experian, XXXX, XXXXcredit reports conducted changes to increase my credit scores. also made on credit. In credit reports it shows change time nor when company will conduct another .report. It should. BE CHANGE. On credit reporting. While I'm makin on. time .payment a date i recorded suppose to change by increasing scores What l have noticed my credit scores ranged remain same. Doesn't change. The range? while maken on time payments.. I have noticed. company is getting away with reporting in correctly for over 1 yrs. .credit scores decrease for over 1 year. XXXX XXXX XXXX  XXXX XXXX. is Paid on on time why it shows error made on the final last payment. .this XXXX  account. XXXX XXXX XXXX payed auto off. Listed as bein. ) Totaled. ) I decided to keep the XXXX XXXX  access. Requests they Seattlement We paid the account off. I'm still not bein graded correctly Showin passed 30 day payment. Reported incorrect. XXXX XXXX XXXX My records purchaser documents shows no late payments listed anywere. This account being reported 2 years inaccurate L have been disputed. For 1 year. Account doesn't show any problems until. Final last date of payment?
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (PA)

The credit card XXXX XXXX financed by comenity bank I purchased a piece of Jewelry from XXXX XXXX, they advertised a 12 month interest promotional financing. The purchase amount was {$3700.00}, my first payment was due on XX/XX/XXXX. I signed for paperless statements, I made all payments before the due date each months, my payments ranged between {$250.00} and {$350.00}. The last payment I made was on XX/XX/XXXX of {$250.00} the balance after this payment is {$160.00}, which I scheduled on line. I was thinking my promotional interest free account ends XXXX XXXX On XX/XX/XXXX they charged me {$600.00}. They said the last statement reflected that the promotion is over early XXXX. THE LAST STATEMENT AVILABLE ONLINE WAS ON XX/XX/XXXX. They did not provide a statement for XXXX or XXXX. I tried to talk to them they said it's my fault I did not call to get the XXXX or XXXX statement and they will not wave the interest which the charged on the full balance. 
Can I get help with this?
Consumer complaint received 2024-01-26
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-01-26
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The following hard inquiries on my account are inaccurate, I never shared my information with these companies. Please, delete these inquires from my credit report, they are affecting my credit history and consumer reputation : CAPITAL ONE BANK USA Address Date of inquiry XXXX CAPITAL ONE XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you kindly review the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccurate amounts and dates.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (CA)

In late XXXX of 2017 I requested a balance transfer from my Comenity Bank Visa card to pay off a high balance on another credit card I have. On XXXX XXXX, 2017 the charge posted to my Comenity Bank Visa card account however, as of today ( XXXX XXXX, 2017 ) they have never sent the money to pay off the other credit card. I have tried to resolve the problem with several phone calls to Comenity Bank but no one has been able to give a reasonable explanation of why they are charging my credit card account without actually sending the money to pay off the other credit card. I have also sent them a written dispute of the charge but have received no response yet.