davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX
Consumer complaint received 2024-04-20
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. (SC)

Upon review of credit report. I noticed hard inquiries I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
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: Experian Information Solutions 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 2023-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Sonnek & Goldblatt, Ltd. (IN)

According to 15 USC 1692e ( 3 ), a debt collector, in collecting a debt, may not use any false, deceptive or misleading representation i.e. a debt collector may not falsely represent or imply that he or she is an attorney or that communication is from an attorney.

I hereby put your firm notice that it has violated the provisions of the above-mentioned section.

Further, as per the judgment made in the case of George W Heintz V. Darlene Jenkins, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer-debt collection activity, even when that activity consists of litigation. Therefore, as per the judgment mentioned herein, your firm is liable as a debt collector.
Consumer complaint received 2023-09-15
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: SYNCHRONY FINANCIAL (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-12-21
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. (DE)

I have been diligently trying to challenge some fraudulent items on my credit report with Equifax and between XXXX and today Equifax has refused to respond to my letters and or online request. 

I cant view my Equifax reports on XXXX XXXX, Equifax.com or XXXX XXXX XXXX. I found a way to view them finally about a week ago bit Equifax is still ignoring me. This violation of the fcra and if im not able to check my reports and have a proper dispute investigated then I will if need be contact a FCRA attorney, also I have always sent in the required documents to verify my identity. My id social security card and proof of address listed on your website. Th proof ofaddress was dated within the last 30 days and im elderly and XXXX  so they are violating the American disability act. they are taking advantage of the ederly
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (GA)

I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law.

-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. 
AFFIRM has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, anxiety, and XXXX  as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in XXXX to remedy the stress of potential losses, however, this has damaged the situation so much more.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I had both a USAA checking and a savings accounts for the past 3 or 4 years. I have been attacked by attempted cyber security breaches for the past year. On XX/XX/XXXX  I was called by a person who claimed to be a USAA agent seeking to help me with the cyber security attacks, they acted like any other USAA agent, and had all of my information just like any other USAA agent I had ever interacted with in the past. They were actually a hacker who either drained both of my accounts, or assisted in draining both my savings account and checking account of the entirety of a combined roughly XXXX US dollars. A few days later I was called by an actual USAA agent informing me of ; all of my money being stolen, USAA refusing to do any further business with me including the closure of both of my accounts, and that USAA 's anti-fraud department would start a fraud-claim investigation which would be finished in an estimated 7 days. I was told that once the anti-fraud-claim investigation was completed that all of money would be refunded in a check that would be sent to me via a check in the mail. Once those 7 days where up I called USAA again, this time they gave me a different story, saying that the fraud claim would now take 60 days to complete instead of 7, but that I would still get my money reimbursed once it was over. During my final call to USAA on XX/XX/, I was informed that my anti-fraud claim had already been resolved on XX/XX/. I was never called or otherwise informed of this until I called USAA on XX/XX/. The anti-fraud department decided that no fraud could be detected and that I shouldn't get ANY of my money back. During the entirety of this event my XXXX  XXXX XXXX  and I was put out of the job as a result, leaving me destitute and unable to do much of anything. The savings account was drained through ATMs in Texas, I live several states away and could not walk there let alone walk with the XXXX XXXX. The checking account was drained with multiple online purchases, none of which I received. My mother, aunt, and brother can attest to my condition at the time. I did not engage in any fraudulent activity, and I deserve my money back.
Consumer complaint received 2024-04-20
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. (MS)

On XX/XX/year>, I noticed many inaccurate items on my credit. Please remove these from my credit report. It hurting my ability to obtain credit. Thank you in advance. 

XXXX XXXX XXXX XXXX : XXXX The card was reported stolen yet It still reflects It was active after XXXX. There's not payment history reflecting, no information about this account on my credit report and shows showing two accounts with different credit histories with the same balance.. PLEASE REMOVE. 

XXXX ( Original Creditor : XXXX XXXX ) - XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

XXXX XXXX XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (ID)

I logged into my Synchrony bank portal to update my banking information and I edited my bank account. The references in the autopay portal and anywhere for that matter showed the new bank account ( see screenshots ). Despite the online portal showing ONLY the new bank account, they continued to debit the old bank account and apply late fees. In addition, they de-facto closed my account by limiting my credit to whatever was already owed.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to register a formal complaint regarding the persistent presence of fraudulent items on my credit report. Despite my previous efforts to dispute these inaccuracies, they continue to harm my creditworthiness and financial well-being. This letter serves as an official request for the immediate removal of these fraudulent entries. 

The fraudulent items on my credit report that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 

I previously reported these fraudulent items to your agency on [ mention the date of your initial dispute ], providing supporting documentation and evidence to establish their fraudulent nature. However, despite my efforts, these items persist on my credit report, causing undue harm to my creditworthiness and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and comprehensive investigation into these fraudulent items, reviewing the documentation I have previously provided and any additional evidence that may be pertinent. It is crucial that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without further delay. 

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued dissemination of these inaccuracies. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please acknowledge the seriousness of this issue and its substantial impact on my financial well-being.
Consumer complaint received 2024-01-23
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. (WA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. 

Previously, I have been contacting Equifax multiple times via certified mail and phone for unknown address records and delinquent or derogatory accounts ; however, the only response I would receive is that Equifax were unable to locate my credit file. 

I submitted my Equifax Data Breach Settlement ; engagement # XXXX, claim # XXXX. Claims will be attached below to provide details.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX closed and sent my account to a collection agency for {$160.00}. Collection agency offered to satisfy the account XXXX  a discounted rate of half of the amount which was {$82.00}. Spoke to someone from the collection agency and paid the amount. I was told the account would be satisfied. A few months later, the account was transferred to another agency for {$82.00}. Placed on my credit report ( all 3 credit bureaus reporting ) as a collection account and having a negative effect on my credit report.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I XXXX XXXX on XXXX XXXX Mail a letter to Validate to Convergent. According to USC15 1692G Individual Action 1. Convergent did not comply 5 days after speaking to me 2. Convergent was given a request to validate debt and did not provide validation 3.Convergent has not stopped ceasing to collect on the debt
Consumer complaint received 2024-04-20
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. (IL)

In accordance with the Fair Reporting act XXXX Account XXXX. XXXX XXXX. # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX. # XXXX XXXX. The XXXX XXXX. # XXXX XXXX. XXXX XXXX XXXX # XXXX Have violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency Can not furnish an account without my instructions
Consumer complaint received 2023-11-30
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. (IL)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. 
Account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-22
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. (NY)

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

For about 4 years we both have been receiving multiple mailings per month from Capital One to open a credit card. We have been discarding this mail. This past week we noticed that the offer contained a note at the bottom : " to stop receiving " prescreened '' offers of credit from this and other companies call toll free XXXX '' We called this number and we were offered a {$100.00} gift certificate to Walmart . We told the agent that we wanted to opt out of mail from Capital One and we were disconnected. We called back and again were offered the {$100.00} gift certificate and disconnected after asking to opt out. 

We searched the internet for a number to opt out with Capital One and XXXX was suggested but didn't work. 

A second search led us to XXXX and after a long hold time we were told they would remove our names from mailings within XXXX  days. 

This complaint is that the number stated on their letter ( XXXX ) is false and is actually a way to get you to sign up for a {$100.00} gift certificate.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Im receiving conflicting credit reports & inaccurate information. The credit reporting agencies report information as accurate & the lender changes the information on my account monthly. Unfair credit reporting!! Today I received 2 conflicting reports from Equifax!
Consumer complaint received 2024-04-20
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. (CA)

on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person