davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (UT)

Delete Hard Inquiries 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.

Th US. nts slow a se vi. States nave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : delete XXXX INQUIRIES en XXXX : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX delete XXXX INQUIRIES en Equifax XXXX XXXX XXXX REPORTING XXXX  XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX delete XXXX inquiries en XXXX : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, payment not late account XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (PR)

Hi, My credit report is showing the following account under number XXXX is still as open and with a past due balance instead of closed and paid as agreed. 

this is affecting my credit score and ability to obtain a loan from bank. 

attached are both the settlement offer from FirstBank giving me a 50 % discount on the original amount and which was paid and the payment receipt.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ACCOUNT : XXXX XXXX XXXX # XXXX ACCOUNT : XXXX XXXX  XXXX XXXX # XXXX ACCOUNT : XXXX  XXXX # XXXX - 15 U.S.C 1681 sec 602 A. States I have the right to privacy.

-15 U.S.C 1681 c ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information other than records of convictions of crime which antedates the report by more than 7 years.

-15 U.S.C 1681-2 ( 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 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

IAcct. # : XXXX i have attached a rewards benefit from US Bank on above credit. As you can see if you spend more than {$35000.00} annually, I would get XXXX bonus miles. 
So I did spend more than $ XXXX in the year XXXX. 
On XX/XX/XXXX, I called the US Bank customer service and spoke with a rep. and also a supervisor inquired about when I will receive the XXXX bonus miles. 
They both have no clue what I am talking about and said they do not give out XXXX bonus miles. 
I paid {$450.00} for annual membership fee last XXXX which i dont mind because I would prefer to collect much miles I can to travel in the future using the miles. 

Also, I am supposed to receive two {$25.00} duty free coupons annually but never received any for last 3 years. Ive also attached the rewards benefit on this specific card.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

Opened a bank account ( checking/savings ), online with Citibank. This was XXXX XXXX. I went to the bank on the XXXX of XXXX to make a wire transfer to XXXX of my accounts ( Not Citibank ) the amount was {$2700.00}. They charged me {$35.00} for the transfer. They said the funds would be in my account in a few hours and it never came through. I called Citibank and they told me that they blocked my account and I had to verify my Identity this was XX/XX/XXXX, th 2023. That same day they told me they mailed me a code and it would be about 5-7 business days. XX/XX/XXXX. Still no code in the mail called again. They mailed me another code XX/XX/XXXX. Today is XX/XX/XXXX. Still no code. Almost a month still not able to access my funds. I am falling behind on bills.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a charge with {$80.00} purchase from XXXX thats reflected in my Capital One Account from Ohio. 
I live in Florida and I have never visited Ohio. 

I called Capital One, they state that the chip was used and theres no way they will pay those {$80.00} because it was made from my credit card. 

This is super unfair and I just- I have not purchased anything from XXXX and not even in Ohio
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Dispute letters were sent to both Equifax and XXXX regarding XXXX Accounts. These accounts were closed and charged off. They were reporting vary inaccurately as well illegally because they were showing Balances and Late Payments on a charged off account, inaccurately matching status on dates, as well repeat info of reporting it being charged off month after month, as well as no data reporting in gaps. 

I've sent 3 dispute letters asking for remediation of these inaccurately reporting accounts. However, it appears obvious, that no true action is being taken to make all corrections needed because they totally ignored 90 % of my request. This Has been complete negligence on their part. 

If an account has been charged off, it should not be reporting balances, past due, etc. because the Creditor has reported 1099-c to the IRS. 

As it stands in accordance with the FCRA, the inaccurate and incomplete reporting by Equifax and XXXX are in direct violation of 15 USC 1681 e ( b ) as well as15 USC 1681 s-2. I have reason to believe Equifax is not properly using the procedures put in place by the FCRA for verification with maximum accuracy. 

I am attaching the letters and screen shots of the credit reports etc. The first letters were sent via certified mail and I do have receipts verifying the received it. The remainder of the correspondence has been directly via bureaus online portal.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so i may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so i may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Please remove all accounts listed below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX AccountNumber : XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

On several occasions I have contacted the company XXXX and the CRAs to provide a copy of a contract with a wet signature proving my business interaction directly with the reporting company of XXXX. Per XXXX, I was told to look online for this information and there no available information. I have asked to have the reportings removed if the information could not be provided and the companies continue to report against my request of proof. Neither of the reporting companies have given me a valid source of proof to report those disputed accounts.
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, Consumer furnished her signature on a credit application ( security ) with American Express Company ( financial institution ), which was given value by ones signature. 

Upon receipt of the security, the financial institution made an application to their local Federal Reserve agent. Financial institution made such application accompanied with a tender, Consumers security, of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

The financial institution failed to distribute the Federal Reserve notes it applied for and was issued to Consumer and DENIED Consumer an extension of their credit. Pursuant to federal law, banks can not lend their credit or customer deposits. 

Upon request, the financial institution failed to return security as it had already been sold in a public offering on the global financial markets. 

The financial institution 1 ) is in violation of the provisions of their Trust Indenture on file with the Securities and Exchange Commission ; 2 ) is in violation of the Trust Indenture Act ( TIA ), which prohibits any person from selling a note, bond or debenture in a public offering unless it has been issued under an indenture and is qualified for TIA and specifically mandates that the right of a bondholder to receive payment on such security can not be impaired without the bondholders consent. The financial institution has impaired bondholders right to receive payment on the security ; 3 ) is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds, pursuant to XXXX XXXX, and XXXX ) is involved in racketeering activity, pursuant to XXXX8 USC 1961 ( 1 ), including but not limited to counterfeiting, extortionate credit transactions, financial institution fraud. Consumer has been injured by the financial institutions wrongful activity and XXXX allows for Consumer to recover treble damages.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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.

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 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

ACCT : XXXX XXXX ending in XXXX I, the consumer and natural person, was denied credit by Capital One Bank when I applied for a credit card and it was closed by the company. 


Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

They are subiect to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Capital One due to the response I received.

Capital One is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was taken away.
Consumer complaint received 2023-11-14
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)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
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)

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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.

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 2024-04-02
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)

I was in XXXX XXXX which whom l have a cc with and issuing bank is a XXXX Bank. I was in XXXX XXXX on XXXX and was offered a credit increase but was denied from XXXX credit bureau. XXXX days later l received a letter via email from XXXX bank with my XXXX XXXX card stating they had pulled my credit report from XXXX and deceased my credit limit with XXXX cc. I immediately notified XXXX Bank XXXX XXXX # XXXX ) asking why did they pull my credit report because it was unauthorized. XXXX filed a complaint and explained she didnt know why XXXX Bank XXXX with the account being so new. In XXXX Bank XXXX agreement page XXXX it only states they can increase/ decrease cc limit ONLY. They have violated my rights as a consumer via the CFPB rights 15 USC 1681b Permissible purposes of consumer reports. I did not authorize this report. Its damaged my fico score and denial of credit. XXXX bank took upon themselves because l ask for a credit increase on XXXX and was denied to evaluate my other account with them and this is unlawful
Consumer complaint received 2018-12-18
Product: Credit card or prepaid 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: CITIBANK, N.A. (GA)

RE : dispute with XXXX Citi Card - XXXX  XXXX  claims an order was delivered but never was delivered. I have repeatedly provided XXXX Citi Card with proof of non delivery to me to no avail. In fact they have gone out of their way to outright lie to me claiming that documentation was never received by them when in fact they have admitted as such. Tracking clearly shows this was delivered to XXXX XXXX FL, I do not live there and have received nothing! Now dealing with executive response unit but this has been going on since XX/XX/2018. What has happened to this company? Its time to leave ... ... ... ... ... ... ... ... ....
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The ERRORS reporting on this account are astronomical and is in direct violation of CDIA standards and FCRA laws. Please delete the inaccurate reporting off my credit report! I HAVE OUTLINED EVERY INCACCURACY, PLEASE FIX THIS***-**Misrepresentation is FRAUD! Please remove these unvalidatable claims at once! *** I hereby present the details pertaining to XXXX XXXX XXXX and XXXX. It is imperative to acknowledge that the aforementioned data has not been certified to conform to any recognized reporting standards. Therefore, the accuracy, currency, and comprehensiveness of the data can not be guaranteed. Furthermore, it is important to note that this information might be incomplete, outdated, or lacking proper support. In light of these circumstances, I kindly request the removal of any erroneous or unsupported content from the aforementioned page. 

Please find the attachment down below, Best Regards XXXX XXXX
Consumer complaint received 2024-04-02
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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I asked Experian to remove the fraud alert from my credit report. They gave me confirmation that it was removed. But that was a lie, it was never removed ; in fact, they added XXXX on the XXXX of XXXX without my consent. They also removed my address from my file back in XXXX  without my consent. I need this fraud alert removed from my account now so i can get accepted for an apartment. They've been constantly trying to get me approved but Experian keeps slowing down the process by not removing this alert. I need it gone! I don't have time to mail documents! I even uploaded information on their site, but they said they never received it, but I sent it last week. I need them to stop making changes to my account without my verbal expressed consent or written signed documentation from me!
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (AZ)

I have a loan with Honda Financial Service. Loan # XXXX. I make extra payments. The extra payments are not applied to principal. Honda considers them an extended payment. They consider my loan paid UpToDate in the future. The extra payment should be applied to principal. If not applied to principal i should receive interest on the amount they are holding. Honda makes it hard to to apply funds to principal. The focus is to keep paying interest.