davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

UNAUTHORIZED XXXX CHARGES XXXX XXXX XXXX debited/assessed XXXX charges XXXX my credit card account ending in XXXX from XX/XX/XXXX, through XX/XX/XXXX. I disputed the charges as I have with XXXX. In the attached letter to me dated XX/XX/XXXX, XXXX XXXX reversed all {$2.00} charges to my credit card and which should have also corrected the 30 days late payment XXXX XXXX XXXX  reported to XXXX, Equifax, XXXX and MY FICO as 30 days late. Since it is XXXX XXXXXXXX XXXX  responsibility to correct the negative reporting, they failed to do so. 

PLEASE NOTE, THESE CHARGES APPEAR IN THE FORM OF {$2.00} ON IN MY CREDIT REPORT FILES, ALTHOUGH THE ACTUAL CHARGES ARE {$2.00} EACH. 
XXXX XXXX XXXX removed all charges and reversed the XXXX through XX/XX/XXXX {$2.00} charges and specifically XX/XX/XXXX late fee and late reporting but have failed to report to the credit bureaus to correct the XXXX late payments my credit reports. As of today, XX/XX/XXXX, the {$2.00} charge which is being reported as {$2.00} charges to all XXXX ( MYFICO, EQUIFAX, XXXX AND XXXX ) is still reported as 30-days late and reflects as a negative account, reducing my credit scores and making me look like a potentially slow paying customer. This has already caused me negative experiences when applying for financial help. 

Please have XXXX XXXX XXXX removed these {$2.00} charges removed from all four credit reports ( MYFICO, EQUIFAX, XXXX AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF! 

PLEASE HAVE THE LATE PAYMENT REPORTED TO XXXX, EQUIFAX, XXXX AND MYFICO CREDIT BUREAUS CORRECTED TO REPORT AS {$00.00} AND PAID AS AGREED OR REMOVE THE ACCOUNT ALTOGETHER, AS I HAVE BEEN REIMUBURSED BY XXXX XXXX XXXX WHICH IS PROOF THE CHARGE WAS FRAUDULENT BY XXXX. 

Remove the 30 days late payment for XX/XX/XXXX charge and any other months XXXXXXXX XXXX XXXX  reported from my credit reports, all of them. The XXXX charges were unauthorized as XXXX XXXX XXXX  has agreed and verified in a letter to me dated XX/XX/XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

UNAUTHORIZED XXXX CHARGES XXXX XXXX XXXX debited/assessed XXXX charges to my credit card account ending in XXXX from XX/XX/XXXX, through XX/XX/XXXX. I disputed the charges as I have with XXXX. In the attached letter to me dated XX/XX/XXXXXXXX XXXX XXXX  reversed all {$2.00} charges to my credit card and which should have also corrected the 30 days late payment XXXX XXXXXXXX XXXX reported to XXXX, Equifax, XXXX and MY FICO as 30 days late. Since it is XXXX XXXXXXXX XXXX responsibility to correct the negative reporting, they failed to do so. 

PLEASE NOTE, THESE CHARGES APPEAR IN THE FORM OF {$2.00} ON IN MY CREDIT REPORT FILES, ALTHOUGH THE ACTUAL CHARGES ARE {$2.00} EACH. 
XXXX XXXX XXXX  removed all charges and reversed the XXXX through XX/XX/XXXX {$2.00} charges and specifically XX/XX/XXXX late fee and late reporting but have failed to report to the credit bureaus to correct the XXXX late payments my credit reports. As of today, XX/XX/XXXX, the {$2.00} charge which is being reported as {$2.00} charges to all four ( MYFICO, EQUIFAX, XXXX AND XXXX ) is still reported as XXXX late and reflects as a negative account, reducing my credit scores and making me look like a potentially slow paying customer. This has already caused me negative experiences when applying for financial help. 

Please have XXXX XXXX XXXX removed these {$2.00} charges removed from all XXXX credit reports ( MYFICO, EQUIFAX, XXXX AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF! 

PLEASE HAVE THE LATE PAYMENT REPORTED TO XXXX, EQUIFAX, XXXX AND MYFICO CREDIT BUREAUS CORRECTED TO REPORT AS {$00.00} AND PAID AS AGREED OR REMOVE THE ACCOUNT ALTOGETHER, AS I HAVE BEEN REIMUBURSED BY XXXX XXXX XXXX  WHICH IS PROOF THE CHARGE WAS FRAUDULENT BY XXXX. 

Remove the 30 days late payment for XX/XX/XXXX charge and any other months XXXX XXXXXXXX XXXX  reported from my credit reports, all of them. The XXXX charges were unauthorized as XXXXXXXX XXXX XXXX has agreed and verified in a letter to me dated XX/XX/XXXX.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

My Capital One checking account number XXXX has been frozen since the end of XX/XX/2023. When I call the number as instructed all I get is a recording and no one returns my calls. When I do talk to a representative they transfer me again to the recording I can not speak to a live representative as to the status of my account and why it is froze and I do not have access to my funds. This has been going on in Access of 3 months without a word from Capital One.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has two collections account on my credit report as past due : XXXX XXXX XXXX shows a past due balance : {$1000.00} XXXX XXXX shows a past due balance : {$3600.00}
Consumer complaint received 2021-06-30
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: Executive Credit Management, Inc (PA)

Debt collector EXECUTIVE CREDIT MANAGEMENT furnished unvalidated and fraudulent information on my consumer report without my ( the original creditor ) written authorization pursuant to federal law. 
Ive sent debt validation and cease and desist letters with and invoice ; as well as an affidavit.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Subject : Complaint Against Equifax for Non-Compliance with FCRA Standards Dear Consumer Financial Protection Bureau, This letter is to file a complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) concerning the handling and reporting of my credit information, particularly inaccuracies reported by XXXX XXXX. 
Multiple Erroneous Listings : Equifax has listed the same credit builder loan under multiple names including XXXX XXXX XXXX XXXX XXXX  causing confusion and inaccuracies in my credit report. 

Disregard for Dispute Resolutions : Despite filing disputes with detailed evidence against the inaccuracies reported by XXXX XXXX, Equifax has not taken adequate measures to investigate or rectify these inaccuracies, contrary to FCRA mandates. 

Adverse Effects on XXXX XXXX : The inaccuracies maintained by Equifax have detrimentally affected my credit score, limiting my access to financial products and opportunities. 

I urge the CFPB to take necessary action to ensure Equifax complies with FCRA obligations by conducting a full investigation into my disputes and rectifying the inaccuracies promptly.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 3 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-01-06
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: Credit Karma (CA)

I found out XXXX was merging with credit karma. To transfer my XXXX  information, i needed to create a Credit Karma account. I tried to do that only to discover an account was already created using my personal information. I reported this to credit karma and requested them to deactivate my account but they haven't yet done so.
Consumer complaint received 2023-12-23
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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. (TX)

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.

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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2024-04-05
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. (DE)

Dear XXXX XXXXCFPB I am writing to you as a victim of identity theft regarding the fraudulent accounts that continue to appear on my credit report. Despite numerous disputes filed by me, along with reports submitted to various authorities including the FTC, the Office of the Controller of Currency, the police, and the FBI, these accounts persist on my credit report. 

I recently obtained undeniable evidence, including the perpetrator 's identification and social security card, proving their responsibility for the identity theft and the opening of these fraudulent accounts in my name. With this concrete evidence in hand, I demand the immediate removal of these accounts from my credit report. 

XXXX XXXX account number XXXX I want to emphasize that I have exhausted all available channels to resolve this matter amicably. However, the persistence of these fraudulent accounts on my credit report is not only damaging to my financial reputation but also a violation of my rights. Failure to comply with this demand will leave me no choice but to pursue legal action against your company for knowingly reporting inaccurate and fraudulent information. 

I urge you to take prompt and decisive action to rectify this situation. Your cooperation in this matter is crucial to restoring my financial integrity and protecting my rights as a consumer. I expect a written confirmation of the removal of these accounts from my credit report.
Consumer complaint received 2023-11-02
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed inquiries that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any inquiries that are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems is alleging that I owe a debt to XXXX XXXX. They have no proof of this debt being mines & neither are they licensed & bonded to collect in the state of Texas. For a debt collector to be able to do business in a state it has to be bonded & theres no bond on the state of Texas Secretary of State website. What theyre doing is not only unethical its also a violation of the FDCPA
Consumer complaint received 2023-12-16
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. (NC)

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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 168 These companies has inquired about my credit on my credit report without my request to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 ( 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 antedate 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NC)

XX/XX/2023, I sent the company notice opting out from sharing my personal information without my written consent. 

The company replied saying it doesn't apply to them because they don't offer direct to consumer/ online products and they are a specialty consumer reporting agency Since they are receiving information from financial institutions regardless they should honor my right
Consumer complaint received 2024-04-05
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # ENDING IN XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2023-11-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (TX)

I recently filled out an application for a Wells Fargo bank account and was prompted I needed to go into a branch and that they were unable to open my account at the moment. 

I received a notification about a week later on my credit report that a bank account was opened by Wells Fargo under my SSN. 

These violations constitutes as unauthorized use as well as discrimination.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (CA)

In 2015 I opened an account with XXXX for my little sister, which was all fine. 
My little sister then went in to the XXXX location and opens up additional lines, and was also allowed to lease additional phones in my name with out my permition and XXXX allowed her to sign contracts linked to my account with out contacting me or a signature from me. 

I had no inclination of the addition lines and phones until receiving a collections letter in the mail from SOURCE RECEIVABLES MANAGEMENT So I called the professional debt collectors I was connected to a representative by the name of XXXX our conversation was not going in a professional manner, so I asked XXXX if I could speak to a supervisor XXXX then told me just because I wanted to speak to a supervisor didnt mean I get too, I then asked her if that was their policy, and how they normally treated customers? XXXX informed me that that it would be my credit that would be damaged not hers, and told me she was terminating the call and hung up the phone.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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.