davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a letter via certified mail and going regarding some discrepancies and inaccurate information on my consumer report! I requested that they break down and prove the accuracy of these reported items. Under XXXX XXXX XXXX I have a right to a full investigation on these items and they haven't validated no debt! I haven't received any correspondence from the agency except a stalling letter from XXXX asking if it was really me who sent the letter.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Independent Savings Plan Co. (FL)

Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Reporting on my credit report as a charge off/collection with no reported information only thing it has it date reported which is XX/XX/2024.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (NY)

I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : PNC BANK XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.
Consumer complaint received 2023-11-28
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 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, has violated my rights. 

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

15 U.S.C 1681 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 ) ( 1 ) A Person shall not any information relating 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 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. (NY)

I am writing to address the issue of unauthorized hard inquiry that has been reported on my credit profile, which I previously brought to your attention. As per your investigation from the complaint that I submitted last XX/XX/XXXX  with an ID XXXX that THE ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 

XXXX - XX/XX/2023
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX fraudulently charge me erroneous amount of {$XXXX} for baggage without evidence of weight of luggage & receipt & without my consent & authorization. & Chase bank failed to protect me as their customer. 

XXXX XXXX personnel were completely dishonest.
Consumer complaint received 2023-11-28
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, 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 XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$5400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/XXXX
Consumer complaint received 2023-11-28
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. (MD)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-28
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. (AL)

I have this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my equifax credit report and I have never lived at this address this is not mine in no way form or shape I also have several unauthorized inquiries on my credit report that I did not give permission to to run or obtain information off of my consumer report I filed a complaint back in XX/XX/XXXX its been past 15 days I would like a removal of the unauthorized inquiries and address off my consumer report.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COMENITY BANK/TORRID, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, COMENITY BANK/TORRID whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA XXXX. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-11-28
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX Account # that starts with XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # that starts with XXXX XXXX XXXXXXXX Account # that starts with XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Accpunt # XXXX XXXX XXXX XXXX Account # that start with XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # that starts with XXXX XXXX XXXX Account # XXXX XXXX U.S.C. XXXX  Section XXXX A. States I have a right to privacy XXXX  U.S.C. XXXX Section XXXX  Section XXXX  It Also states that a consumer reporting agency can not furnish an account without my written instructions XXXX  U.S.C. XXXXc ( A ) XXXX XXXX ) Section States No consumer reporting agency may make any consumer report containing the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX years XXXX U.S.C. XXXXs-XXXX ( A ) ( XXXX ). 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 2018-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX  credit card issued by XXXX XXXX. New card was taken out in XX/XX/XXXX and used for purchases. Invoice received in XX/XX/XXXX and paid but I used wrong XXXX XXXX/Synchrony account from my online bill pay service. Received next invoice in XX/XX/XXXX and paid again to wrong account.

Making payments to wrong account was 100 % my fault.

I realized in late XX/XX/XXXX that payments were being made incorrectly. I called XXXX XXXX  on XX/XX/XXXX and explained situation and asked that funds get transferred from old dormant account to new account and late fee be removed. Was assured that this would be done within 7-10 business days. Total money paid exceeded amount due.

Called back on XX/XX/XXXX and was told that the transfer request was submitted incorrectly and would be resubmitted and I should call back in a few days to ensure it was being done.

Called back on XX/XX/XXXXand was told no transfer had been requested and would be requested again. This was an hour long phone call speaking with reps in XXXX  and the U.S. as well as a supervisor in the U.S.

On XX/XX/XXXX received collection notice email and new late fee assessed to account.

Called back on XX/XX/XXXX and was told that transferring money takes time and that there is nothing else they can do and I have to just wait. Was unable to speak with anyone other than customer service rep who is only authorized to submit funds transfer request. Was not allowed to speak with anyone in department who is actually capable and responsible for transferring funds.

I am 21 days into a simple request to have funds transferred from one account to another. Funds that Syncrhony is holding exceeds amount due on account.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am a victim of the Equifax data breach and inaccurate information needs to be removed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Ive been making regular payments to my XXXX credit card and they have been reporting me deliquent and affecting my credit negativity. Ive been contacting the card company and they refuse tk help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my babk account of the payments that have been made.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.
Consumer complaint received 2023-11-16
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have tried to get this company to drop this account for around 3 years now. I am a victim of identity theft. I finally got my identity theft victim letter from the IRS which I will be attaching. Along with my FTC identity theft report which I will also be attaching to this message. These are not my accounts and I'm requesting that you delete them and all that associated with.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CT)

I applied for a Secured Discover It credit card  in XX/XX/2018 and paid a deposit of {$500.00}. This is the exact webpage I clicked the " Apply Now '' link when I applied : https : //www.discover.com/XXXX The title of the webpage is " The Discover it Secured Credit Card '', It claims you get " 2 % cash back at restaurants or gas stations on up to {$1000.00} in combined purchases each quarter. Plus 1 % cash back on all other credit card purchases. '' As an aside : Discover offers 2 main types of cards with different rewards programs : 1. ) " Discover It '' - which offers 5 % back on different categories each month, 1 % on everything else 2. ) " Discover It Chrome '' - which offers 2 % back on restaurants and gas, 1 % on everything else At no point on the entire webpage where I applied is the word " Chrome '' ever written once.

I applied for this card and gave them my {$500.00} deposit, under the auspices that this secured credit card offered the conventional " Discover It '' card benefits ( notably the 5 % cash back on rotating categories ) in  addition to the " 2 % cash back at restaurants or gas stations '' being offered on the application page. 

Only today did I learn that I don't in fact have the " The Discover it Secured Credit Card '', like the web-page I applied to says I would, but rather I have a " The Discover it Chrome Secured Credit Card '', which comes with the 2 % but no rotating 5 % back categories. I was offered an oppurtunity to switch to the " It '' card, but was informed that if I did so, my new " Discover it Secured Credit Card '' would not have the 2 % benefits explicitly stated in their " The Discover it Secured Credit Card '' webpage. 

Essentially the website conveniently lied about the name of the card they were advertising and what you actually are capable of getting in rewards is much less than what they are explicitly offering on the application page.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report and the multiple unsuccessful attempts to have these items promptly removed. The nature of this matter is urgent, and I am seeking immediate resolution to mitigate any further damage to my financial standing. 

I have previously submitted disputes regarding the fraudulent items on my credit report, and despite my efforts, these items persist. This situation is not only causing undue stress but is also adversely affecting my credit score and financial reputation. 

The fraudulent items in question include inaccurate names,, addresses, late closures and inquiries. I have attached supporting documentation, including police reports, identity theft, and other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

I understand the Fair Credit Reporting Act ( FCRA ) mandates a timely investigation and resolution of disputes, and I am disappointed by the apparent lack of progress in rectifying this situation. I request your urgent attention to this matter and immediate action to expedite the removal of these fraudulent items from my credit report. 

Given the repeated attempts to address this issue without success, I request a thorough review of my case to identify any obstacles preventing the timely resolution of this matter. Additionally, I insist on receiving regular updates on the progress of the investigation and removal process. 

I expect that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items, and the necessary steps be taken to ensure their swift removal from my credit report. 

As a consumer, I rely on the accuracy of my credit report to make financial decisions, and the presence of fraudulent items compromises my ability to do so. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX