davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (AL)

So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.
Consumer complaint received 2024-03-18
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX EXP UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2023-05-07
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: GOLDMAN SACHS BANK USA (FL)

I noticed on my consumer report that there was an Apple Card/GS Card USA that I never opened. I have submitted my theft affidavit and I need this account closed and removed because it is not my account.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXX XXXX XXXX XXXX XXXX, AR XXXX Please update my name : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  TRANSUNION AND XXXX  ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE XXXX DISASTER AND MY WIFES XXXX AND XXXX XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE THREE ACCOUNTS ARE XXXX  XXXX XXXX  XXXX, XXXX  XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME XXXX  AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR XXXX XXXX GOING INTO THE TIME FRAME OF THE COVID19 XXXX. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX  PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXX.please mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.
Consumer complaint received 2023-07-03
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2700.00XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXXXXXX Balance : {$2700.00}
Consumer complaint received 2020-05-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (MA)

I had set up a business credit card account with Chase Ink in XXXX and had set the account to automatic payment with my bank account. For some reason, the automatic payment was rejected and unfortunately in XXXX, and my pending payments were never made. The total over the three months was ~ {$600.00} plus fines. When I found out about this, I immediately paid my pending dollars and completely cleared the account. Chase had closed my business account calling it delinquent and also closed a personal credit card ( which I was not using much ) issued by Chase. I called the company and the customer service folks were not helpful and were not willing to reinstate my credit card or provide me with any guidance to prevent an impact on my credit history. It was of no avail that there were no letters or emails or calls from Chase to inform me of no payments coming from me. Upon checking my credit card online account, I also find that there was no evidence of Notices issued towards me in the web section. I have very good credit score ( north of XXXX ) and always pay my credit card balance in full. Although I am not impacted financially by the COVID-19 situation, I can not imagine how these credit card companies impact the lives of people who miss on payments. Basically canceling credit card with no notice and having an adverse impact on credit history of their customers. I have been a chase customer for more than 10 years, and this is how they treat me! I would really appreciate if this gross error can be corrected and your help would be greatly appreciated.
Consumer complaint received 2023-03-13
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. (DE)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
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. (NY)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2022-09-21
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. (TX)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Last year ( XXXX ) in the early part of the year I attempted to get a free credit report as well as apply for an account with a lender. At the current time I was informed that my credit report was blank. As per the Equifax customer support agent I faxed to Equifax a copy of my birth-certificate along with a copy of my current ID as well as my Social Security card . At that time the account I attempted to open was declined due to the inability to obtain a credit score and report. After continuously fighting with Equifax within the last year and not being able to access my report or any financial serves due to no report or score available I was told once more one month ago on XX/XX/XXXX by another Equifax employee to mail in another copy of my Social Security Card and current ID. Once more I compiled with a certified letter to Equifax on XX/XX/XXXX. A few days latter the letter was received and signed for by Equifax and I had been advised to wait for 10 business days. It has now been well beyond this time and I still can not access my score, report or obtain any financing by a creditor. This is unacceptable and I feel as though I am being held hostage by Equifax, the representatives are rude and very hard to understand and I should not be subject to this treatment or behavior!
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (GA)

Dear Sir/Madam, I, XXXX XXXX XXXX am writing to dispute a debt collection account that appears on my credit report. Upon reviewing my credit report, I noticed an entry from Wakefield & Associates regarding an alleged debt in the amount of {$1100.00}. The original creditor listed is XXXX XXXX XXXX. I am formally disputing the validity of this debt and request a thorough investigation into this matter. 

I do not recognize this debt nor have I ever had any dealings with XXXX XXXX XXXX or Wakefield & Associates. Therefore, I believe there has been a mistake or possibly fraudulent activity associated with this account. 

I request that you provide me with detailed information regarding the debt, including : Confirmation of the original creditor, XXXX XXXX XXXX. 
Documentation proving the debt is valid and legally owed by me. 
Verification that Wakefield & Associates has the legal authority to collect this debt. 
Any contracts or agreements bearing my signature related to this debt. 
I also request that, during the investigation process, this disputed item be temporarily removed from my credit report to prevent any further damage to my credit score, as required by the Fair Credit Reporting Act ( FCRA ). 

Please be aware that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the validity of any debt reported on my credit file. I expect a prompt and thorough investigation into this matter in accordance with these laws. 

Furthermore, I request that all communication regarding this debt collection account be conducted in writing to ensure a clear and documented record of our correspondence. 

Please find enclosed a copy of my credit report highlighting the disputed item for your reference. I kindly request that you update me on the progress of the investigation within 30 days of receiving this letter. 

Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost professionalism and diligence. 

Sincerely, XXXX XXXX Enclosures : - Copy of Credit Report - Any supporting documents ( if applicable )
Consumer complaint received 2023-06-16
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: Professional Collection Service Inc (GA) (AL)

I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXX Account # : XXXX Past Due Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1300.00} XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} XXXX Account # : XXXX Balance : {$31000.00}
Consumer complaint received 2018-09-13
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: AMERICAN EXPRESS COMPANY (NY)

I responded to an online advertisement for an American Express XXXX XXXX  card offering {$200.00} statement credit for any purchase on XXXX and another XXXX XXXX XXXX XXXX ( XXXX ) miles after spending {$1000.00} on XX/XX/2018. After I received my new card, I sent some money on a XXXX flight on XX/XX/2018 but did not see {$200.00} credit on my statement. On XX/XX/2018 I called Amex and spoke to operator XXXX who promised {$200.00} credit in 6-8 weeks. XXXX also encouraged me to spend {$1000.00} on the card by promising that I would get XXXX XXXX frequent flyer miles ( I have the conversation recorded and can provide a copy of the recording if needed. Because of XXXX confirmation I used the card to send over {$1000.00}. ) However, after 8 weeks have passed and I called XXXX I was told that they are not going to honor their promise and that I was not going to get {$200.00} or XXXX miles. The excuse I was given is that I used to have a similar card in the past. I was also told to send a letter explaining the situation to XXXX. However, it has beed almost 2 months since I sent the letter and no response came.
Consumer complaint received 2020-05-27
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: U.S. BANCORP (FL)

I went with my roommate to XXXX XXXX XXXX to help him with his purchase of a vehicle. He needed a down payment, so I allowed him to put the down payment on my own credit card. It turned out that the dealership was very shady, and in the 2.5 months that he had the vehicle never fixed anything on the car, and the car kept having problems and having to go back in for service ( under warranty ). On the last time that it went in for service ( with an appointment ), the repossessed the vehicle. The bank has credited 100 % of the purchase price, but the dealership will not return my calls. I tried to charge this back in dispute since the vehicle which should not of been sold in the first place due to it not being street-worthy had been repossessed and 100 % of the money was returned to the car buyer, the dealership was supposed to refund on my credit card the down payment. The company is trying to say that the down payment was a deposit and deposits are not refundable. At no time did I sign anything stating that this {$7000.00} was a deposit on the vehicle. It was all financed and purchased all at once at the same time.
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX for Comenity Bank XXXX This company settled the account for less than the full balance. Updated the information on my Credit Report to show comments that the account is settled and paid for less than the full balance, but updated the balance to the amount discounted instead of XXXX. This is preventing me from purchasing my home.