davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (OR)

I received a letter from Chase stating that an application for a new credit card was delayed due to accuracy of the information. However I did not apply for a new card. I called Chase and they were able to mark the instance as fraud, close the application, and will be setting alerts for any future inquiries with my name.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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. 
The account listed below has posted a collection account on my three credit repoorts. This account never belonged to me, and can not be verified. 
Account name : 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 2024-04-11
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. (CA)

I have these inquiries that I have no idea where or how they came about. I definitely haven't been using or obtaining anything that has to do with credit with any of these companies or parties that are a hold of the hard inquiries section of my credit report causing derogatory marks on my report. Again I don't know who these companies are that have pulled my credit report because I have not authorized them to do so. according to 15 USC 1681 B, they have to have a permissible purpose in order to pull my credit report or cause a hard inquiry. the following companies and the removal date are on my credit report. 

names : Date : Removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have these inquiries that I have no idea where or how they came about. I definitely haven't been using or obtaining anything that has to do with credit with any of these companies or parties that are a hold of the hard inquiries section of my credit report causing derogatory marks on my report. Again I don't know who these companies are that have pulled my credit report because I have not authorized them to do so. according to 15 USC 1681 B, they have to have a permissible purpose in order to pull my credit report or cause a hard inquiry. the following companies and the removal date are on my credit report. 

names : Date : Removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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. (MI)

Re : Dispute of Unautorized Reporting of Information, Accounts below XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Account Numbers XXXX Account NumberXXXX Dear Sir/Madam, I am writing to dispute the accuracy and validity of the information reported by your agency in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I am formally challenging the inclusion of certain information on my credit report on the grounds of lack of written consent. 

Upon reviewing my credit report, I discovered that your agency has reported information without my explicit written consent. As per the FCRA, consumer reporting agencies are required to obtain written consent before furnishing or obtaining consumer credit information. To my knowledge, I have never provided such written consent to your agency. 

Furthermore, I have not authorized any entity to furnish my information to your agency, nor have I granted permission for your agency to obtain my consumer credit information from any source. Therefore, the presence of this information on my credit report is not only inaccurate but also violates my rights under the FCRA. 

In accordance with the FCRA, I hereby request that you investigate this matter and provide documentation demonstrating that you have obtained written consent to include the disputed information on my credit report. If you are unable to provide such documentation, I request that you promptly remove the unauthorized information from my credit report. 

Please be advised that failure to comply with the FCRA and rectify this matter within the prescribed time frame may result in legal action to enforce my rights under the law. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the disputed information once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe stipulated by law.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am putting forward this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus XXXX, Equifax, and XXXX. The inquiries in question are as follows : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2023 I wrote a letter along with my payment coupon to the Capital One Headquarters for both of my accounts sent them both certified mail on XX/XX/2023. Also called on Friday XX/XX/2023 spoke to Rep. XXXX at around XXXX he told me he didn't see any payments and it takes about 7-10 days, so I have been checking the site since the call and it is XX/XX/2023 today. I am attaching all my documents I sent out for you to view.
Consumer complaint received 2018-08-18
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: Experian Information Solutions Inc. (MO)

On XX/XX/18 I disputed outdated info from XXXX on my credit report. Nothing ever happened. Experian refused to dispute the outdated info and continues to show it to this day. Experian never mailed me a letter stating my dispute was frivolous. Every time I call I can never speak to a human, I am automatically transferred to a robot, Experian is screening my number and transferring me to a robot that keeps me on hold forever. Experian told me XXXX pays them and I don't so they are going to display whatever XXXX sends them. I have no power in the matter even though the information is outdated and incorrect.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 
The account listed below has posted a collection account on my XXXX credit repoorts. This account never belonged to me, and can not be verified. 
Account name : 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 XXXX 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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I am writing to dispute an inaccurate inquiries and personal information listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (AR)

AFNI DEBT Collectors are saying this XXXX XXXX XXXX BILL FOR {$1700.00} is a new debt and it is not. Im sure that it was written off in my Chapter XXXX. And this debt is about 3 years old its back from 2015.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have been trying to dispute a chapter XXXX bankruptcy ID # XXXX listed o my credit for over a year now. I keep getting notifications from XXXX Equifax and XXXX stating the information has been verified from XXXX XXXX and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-04-11
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX out of XXXX 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. Please see attached file for these items I am complaining.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MAJR Financial Corp (NY)

This is the 10th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX  is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX MAJR FINANCIAL {$5000.00} limit
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank, XXXX XXXX Bank, XXXX Bank, 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 an account without my instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan.
Consumer complaint received 2024-04-11
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. (TN)

I've been grappling with Equifax for well over a year concerning my XXXX XXXX XXXX, and it feels like I'm stuck in a never-ending cycle. Despite providing Equifax with numerous documents confirming my XXXX XXXX, they continue to reject them, even though these documents meet the criteria under the debt bondage act. Other credit agencies like XXXX and XXXX have accepted these documents without issue. Equifax, however, seems to have its own set of rules when it comes to verifying certain documents, which adds to the frustration. 

Each time I have to engage in this dispute process with Equifax, it dredges up painful memories that I'd rather not relive. It's traumatizing, embarrassing, and deeply hurtful to constantly revisit these experiences. Equifax treats this dispute like any other, despite the sensitive nature of the situation. Whenever I call, hoping to speak to someone who can help, I'm informed that the department handling these disputes is outsourced to a legal team. This outsourcing not only complicates the process but also raises questions about Equifax 's commitment to assisting XXXX XXXX XXXX. 

I've exhausted every option available to me and my caseworker to resolve this, but Equifax seems uninterested in cooperating. The emotional toll of constantly having to prove my XXXX  is immense. Equifax 's lack of transparency regarding their document review process adds to the frustration. Why do other credit agencies accept the same documents that Equifax rejects? It's a question that remains unanswered, as Equifax 's customer service offers nothing more than scripted responses that do little to address the issue at hand. 

In essence, navigating this ordeal with Equifax has been a distressing experience. The company 's reluctance to accept valid documentation and their opaque dispute process only compound the challenges faced by XXXX XXXX XXXX like myself.
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-11
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. (UT)

I have disputed unauthorized hard inquiries present on my credit reports provided by XXXX, XXXX, and Equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into these unauthorized inquiries and their immediate removal from my credit reports. Ive sent letters and yet they still are on my credit report and all three Credit agencies are past their XXXX  day response to my complaint to my credit report. 
Upon reviewing my credit reports obtained from XXXX, XXXX, and Equifax, I have identified several hard inquiries that I did not authorize or recognize. These unauthorized inquiries have negatively impacted my credit score and financial standing. 
As per 15 U.S.C. 1681i ( 7 ), XXXX, XXXX, and Equifax are required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Additionally, the inclusion of unauthorized hard inquiries on my credit reports violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
Furthermore, the unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. 
I am enclosing copies of my credit reports highlighting the unauthorized hard inquiries. I request that XXXX, XXXX, and Equifax provide me with written notification of the results of the investigation and any actions taken as a result. 
Furthermore, pursuant to 15 U.S. Code 1681g and 16 CFR 660.4, I request updated copies of my credit reports from all three agencies reflecting the removal of the unauthorized hard inquiries. Additionally, I request information regarding the source of these unauthorized inquiries, as provided under 15 U.S. Code 1681 q and 15 U.S. Code 1681b. 
The following Inquires Equifax -15 U.S. Code 1681b XXXX XXXX XXXX  USA INQUIRY DATE : XX/XX/XXXX XXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX15 U.S. Code 1681b XXXX XXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX : INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX15 U.S. Code 1681b XXXX- INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX Failure to address these unauthorized hard inquiries and adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law.