davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OH)

On XX/XX/2018, US Bank accepted my credit card dispute against XXXX XXXX ( merchant ) for failure to render services ( involving online social media web traffic and advertising ) as agreed in the amount of {$3400.00}. 

I provided a personal detailed letter in the filing of my dispute, and I also followed up with additional letter and documentation on the official form they sent to me to fill out. In that letter was a copy of email correspondence in which representatives for XXXX XXXX XXXX company stated that after a year or so their attempt to provide the services paid for had failed and they were no longer going to try, and they offered to " bait and switch '' to other products/services the buyers. 

I never received any other correspondence from US Bank for additional information to clarify what was disputed. Moreover, I never receive any information that the merchant had provided information to counter my dispute. I am of the understand that the merchant did NOT reply to my dispute. 

However, in a letter dated XX/XX/2018, US Bank denied settling the dispute in my favor and recharged my card. US Bank claimed that insufficient information was provided by me support my claim of failure to render services/product as agreed. 

Upon receipt of that letter, I sent back a reply asking for the matter to be reviewed and settled in my favor because no addition information was requested outside of the form that needed to be filled out and returned ( which was returned ). As well as, there was no evidence the merchant had provided anything to counter my dispute, which was properly and legally filed, therefore the dispute legally should be settled in my favor. 

As an additional method of appeal I have filed this complaint with the CFPB.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

the law clearly states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE unless they send the information in section 1637b and they never did at all its harming my credit so please ill like to have these late accounts removed
Consumer complaint received 2023-11-25
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. (GA)

Equifax please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.
Consumer complaint received 2023-11-25
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)

Several complaints have been filed with CFPB against Equifax for reporting inaccurate information on my credit profile which is a result of identity theft. 

First complaint was filed on XXXX XXXX XXXX XXXXXXXX. Followed by 2 other complaints for the same reason on XX/XX/23, Complaint # XXXX and XX/XX/23, Compliant # XXXX. 

Equifax has failed to remove or block inaccurate information that they are reporting which is a result of Identity theft. FTC Report, Police Report and Identification was provided several times to Equifax through Certified Mail and also through Equifax Online Portal. Equifax has failed to remove or block the inaccurate information ; Equifax provided false information to CFPB stating that they have completed the investigation and removed the inaccurate information.

Equifax also closed several of my disputes submitted through Equifax Online Portal but declined to block the inaccurate information. The inaccurate information that is still remaining on the credit profile are XXXX. XXXX XXXX - XXXX : XXXX XXXX. XXXX XXXX - XXXX : XXXX I am also attaching the letters sent to Equifax, the same information as also submitted through Equifax Online Portal for Disputes, yet Equifax failed to take any action.
Consumer complaint received 2024-04-12
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-11-25
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Block of information due to identity theft Dear XXXX XXXX XXXX Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : XXXX XXXX ( XXXX XXXX ) Account Balance : {$6800.00} Account Number : XXXX Your company has 4 business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation.

I look forward to your response.
Consumer complaint received 2018-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I have a Auto loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Consumer complaint received 2018-08-28
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. (NY)

I have disputed an fraudulent account by XXXX XXXX. Experian was investigating the information and hasnt updated my account since XXXX even though the dispute was opened in XXXX and XXXX. The information Experian has on my credit report is inaccurate from the information that XXXX and XXXX  has ( which is accurate ). The collection account address and payment status is wrong. Experian will not remove the derogatory payment status and wont update my dispute in a timely matter. In pictures you can see that Experian hasnt updated the collection in dispute, doesnt have the accurate collection agency address, has an unnecessary derogatory payment status.
Consumer complaint received 2024-04-12
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-25
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. (AZ)

XXXX XXXX violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. Amount was XXXX owed. According to " FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term " consumer '' report or does not include reports containing information solely as to " transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer report.,
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (IL)

I had noticed the past XXXX days that my available funds was significantly lower for the transactions that I've made. So I added up all my deposits I've made for the past XXXX days. On XX/XX/XXXX I deposited {$290.00} and {$340.00}. On XX/XX/XXXX {$240.00}, {$13.00}, {$17.00} was deposited. Today XX/XX/XXXX I deposited XXXX. When all that is added up it equals XXXX. I checked to see what was in my account as of now and it says XXXX. So I take the XXXX and subtract all the transactions minus the pending which came to XXXX. So let 's say the pending transactionshavent went through I should have XXXX in my account as of now. So then I take {$920.00} and subtract the pending charges and it came to XXXX. So I'm still missing XXXX out of my account that Current  needs to explain. Those pending transactions are double charges so your employees can pocket the second transaction. The customer service rep ended the chat log after I questioned where my money went and the second gentlemen wouldn't reply back. This is fraudelent activity and my money was stolen from Current. This needs to be addressed immediately!! Please images and do the math yourself!
Consumer complaint received 2024-04-12
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. (IN)

I am writing to formally complain to Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/2024, I mailed a dispute letter to Equifax, explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results and Equifax has failed to provide any acknowledgment or resolution of my concerns. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 

Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

It appears that XXXX XXXX has not only harmed my credit score but also initiated unauthorized payments, resulting in double charges for XXXX. They ceased reporting to Equifax between XX/XX/2023, and XX/XX/2023, while receiving two payments in XXXX, one of which was unauthorized despite them already receiving a payment. They received a payment on XX/XX/2023 for {$8.00}, then attempted to charge my card again on XX/XX/2023 without my consent, which raises concerns about their billing practices. 

This information surfaced after observing a negative impact on my credit score with Equifax, prompting me to investigate further. Despite my consistent payments, XXXX XXXX, a company purportedly assisting in credit building, appears to be engaging in fraudulent behavior, breaching consumer rights, double-charging, and causing a significant credit score drop of XXXX points. I intend to pursue arbitration, possessing evidence of all payments made, and will seek legal recourse. 

Moreover, I paid for an upgrade, which XXXX XXXX failed to apply to my account. This discrepancy in services rendered became evident when my credit score experienced a drastic decline. I paid for the upgrade on XX/XX/2023, while they ceased reporting to Equifax between XX/XX/XXXX and XX/XX/2023, despite receiving a payment on XX/XX/2023. 

Additionally, there was no communication, as legally required, from either Equifax or XXXX XXXX informing me of their cessation of reporting or refusal to accept payments. Considering the two payments made in XXXX, they should have been allocated to XXXX. I will hold this company accountable, seeking restitution for their unauthorized charges, failure to provide services paid for, and their detrimental impact on my credit score, as mandated by consumer protection laws. 


Below Ive attached all documented proof of all charges and I will push charges to the extent.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (PA)

This collections is still being reported on all 3 credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my 3 reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Regarding XXXX XXXX : This is a cellphone carrier account. Cellphone carriers don't report unless the account is in delinquent or collection status. I've never received any communication via email, mail delivery, or phone notification from XXXX XXXX saying this account was on the verge of going into a Collection Status This closed account has never been in collections, has a XXXXbalance owed on it, and has been closed out.
Consumer complaint received 2023-11-25
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. (GA)

On XX/XX/XXXX I wrote a letter to Equifax asking them to investigate unauthorized inquires on my credit report. Not only have I not received a response to this day ( XX/XX/XXXX ) the inquiries remain on my credit report. I have contacted every single company on my Equifax credit report and they stated I needed to contact the credit bureaus, which is what I did. I did not give my permission to the below companies to check my credit report/ score with Equifax and they are fraudulent. I know you will try to complete an investigation now, however, you have ALREADY VIOLATED THE FCRA and now BY LAW MUST REMOVE THE BELOW INQUIRIES. If you fail to remove the below inquiries, I will file suit for monetary damages XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-23
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. (TX)

I sent a letter off on XX/XX/. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX To remove personal information that i do not want on my consumer file. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution can share my information to a third party company without my permission and or authorized consent. I never consented to have my private information shared with third party financial institutions and or companys. I was never given the opt out option by the companys either. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.