davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Experian should not be reporting a collection/chargeoff in the amount of {$1500.00} on the CAPITAL XXXX BANK partial account number XXXX. ( Please see page attached from my credit report. ) This account was included in my Bankruptcy and needs to report a {$0.00} balance and the coding changed. This false reporting of a collection/chargeoff is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-09-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (CT)

Westlake Financial has repeatedly called using different numbers from their call center in an attempt to mirror local numbers ; some of which are similar to my children 's school numbers. This stops me from working so I can answer the phone to see if family in my area code are OK, only to have it be a collection call. Additionally, on this last call, they never told me it was an attempt to collect a debt, did not disclose who they were prior to asking me for verification information, and then told me they were going to intentionally notate my account incorrectly because the woman didn't like my answer to a question. When asked why the account was 20 days late, I stated I didn't know because my wife pays it and she told me she made payment. She said, I'll notate that as non-responsive. I attempted to clarify it with her, and was promptly disconnected ( non-aggressive on both ends ). When I called to talk to a supervisor and asked for my notations, they told me I can't have them and to have an attorney contact them, and they will forward it over to their legal department.
Consumer complaint received 2023-11-29
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. (DC)

This problem been persistent. Equifax failed to resolve my issue I even went to extent of filing a police report. Fraud mail is coming to my house. XXXX XXXX XXXX XXXX XXXX, and I am being taking advantage of.
Consumer complaint received 2023-11-29
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. (TX)

Equifax had one of the largest data breach in history. I do not know what accounts, or account numbers were breached. These accounts must be deleted, but I not know which ones they are. You must be a member in order to get this information. 

I have a screen shot proving that Equifax does know that my account and information was breached by Equifax. 

I want all accounts and account numbers to be deleted from my reports.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am writing to express my frustration and dissatisfaction with the persistent challenges I have faced in attempting to rectify late closed and charge-off accounts on my credit report. Despite numerous attempts to dispute and remove these inaccuracies, my efforts have not been successful, and the negative entries continue to impact my credit standing. 

I have submitted multiple dispute letters, both online and by mail, along with supporting documentation, including payment records, statements, and any other relevant materials, to substantiate my claims and assist in the investigation. Despite these efforts, the late closed and charge-off accounts persist on my credit report. 

I demand that you conduct an immediate and thorough investigation into these matters and take prompt action to rectify the inaccuracies on my credit report by removing the late closed and charge-off entries. The persistence of these entries has caused undue stress and has a significant impact on my financial well-being. 

Additionally, I request regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed urgently to prevent further harm to my credit standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. XXXX XXXX XXXX Balance Owed : {$3000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
3. XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
4. XXXX XXXX Balance Owed : {$560.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2018-09-04
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. (FL)

I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

XXXX XXXX XXXX XXXX -XXXX  XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 Transunion XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This notice is to inform you that you have broken the law. You unlawfully report unauthorized accounts on my consumer report that have violated myfederally protected rights to privacy and confi dentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my creditprofi le. You have violated me pursuant information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation.You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX )
Consumer complaint received 2023-05-08
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: Freedom Mortgage Company (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. 
15 U.S.C 1681 section 602 A. Clearly states that 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 written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a loan account under open-end consumer credit plan as late for any purpose.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit Card Services. 

Monthly payments towards the account are not applied correctly. 

Account is closed to unfair practices by Capital One. 

Earnestly, proactive in paying account. 

Due to traveling and business some payments are sent with correct Statement Pay date and amount to be paid. More often amount is paid more than minimum amount due. 

Subsequently, I am penalized for making payments for more money and sending ahead of the actually due date! Time frame XX/XX/XXXX - XX/XX/XXXX. Checks verify the month payment is made for as well as online payments. 



Erroneous late charges applied to account. Reporting to credit bureaus erroneous 30 day later. 

Spoke to several " Supervisors " with no satisfaction. 

My conclusion is Capital One scams the consumer by placing extra payment on their statements and applying them to the wrong month, charging late fees. 

I have documentation for all concerned complaints. Account Summary for payments is generalized and is not applied to correct months.
Consumer complaint received 2023-11-30
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 am writing to urgently bring to your attention the ongoing issue of fraudulent items on my account with Credit Bureaus. Despite my initial report and the subsequent acknowledgment of fraudulent activity, I am dismayed to inform you that a second attempt to address this issue is required. 

The unauthorized transactions on my account continue to cause significant distress and inconvenience. I understand that these situations can be complex, but it is crucial that swift and effective action is taken to rectify the matter. 

I appreciate the efforts made after my initial report ; however, the persistence of fraudulent items necessitates an immediate and thorough investigation. I insist on a comprehensive and expedited removal of all unauthorized transactions from my account. 

I kindly request a detailed update on the progress of this second attempt, including the specific actions being taken to ensure the swift resolution of this matter. Additionally, I urge you to communicate the preventive measures being implemented to safeguard my account against any future fraudulent activities. 
Given the urgency of this situation, I expect a resolution within the shortest possible time frame. Please understand that the delay in addressing this matter not only exacerbates the financial impact but also raises serious concerns about the security of my account.

If this issue is not resolved promptly and to my satisfaction, I may have no choice but to escalate this complaint through regulatory channels and explore other avenues to protect my rights as a consumer. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (UT)

They called my father is the score of the information in regards to the steps that I have a pen because I havent responded to that phone calls because most of the time Im at work I can not be on my phone I havent resolved yet because I do not have the money out of right now to pay it as soon as I have the funds available I was going to pay it another threatened to get my parents involved women over the age of XXXX and that is illegal debt collection Practices
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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. But 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS AND INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED THE ACCOUNTS DONT BELONG TO ME. 

XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX
Consumer complaint received 2024-03-21
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. (LA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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: EQUIFAX, INC. (NY)

SINCE XXXX OF 2023 I HAVE BEEN DISPUTING SEVERAL INACCURACIES ON MY CREDIT REPORT I HAVE BEEN GAINING NO PROGRESS JUST THE SAME EXACT GENERIC RESPONSE " ITEM VERIFIED '' I HAVE ASKED FOR WELL OVER 90 DAYS FOR THE METHOD OF VERIFICATION FOR THESE BLATANT ERRORS ON MY REPORT TO NO REPLY THIS IS COMPLETELY UNACCEPTABLE ATTACHED IS THE MOST RECENT DISPUTE LETTERS AND COVER LETTERS
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, Citibank sent a letter to me indicating denial of a preapproved double cash mastercard application due to a filing of XXXX 
The one and only XXXX involving myself occurred in XX/XX/XXXX. Citibank was on the list of write offs at that time in the amount of {$1900.00}. 
They also indicated a " history '' of late payments, which is an outright lie. They claim one late payment in XX/XX/XXXX. Which I dispute as I have never, ever been late 30 days.
Consumer complaint received 2023-11-30
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XXXX  Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XXXX XXXX XXXX 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 2023-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Someone tried opening a fraudulent Bank of America account in my name initially in XX/XX/XXXX with an incorrect address. Thankfully I had just changed my address so the post office was able to send a document to me stating the type of account and the account number. I got through to Bank of America 's fraud department and had the account closed and thought that was it. However, on Saturday, XX/XX/XXXX at XXXX I received an email about an online account opening. I made it very clear with them the first time around that I am not interested in banking with them in the future ever. One email was sent welcoming me to online and mobile banking and shortly afterwards I received another email stating they are unable to open the account. I figured it was probably flagged due to the incident a few months ago but since I do not have an account number nor access to one I can not get ahold of anyone to report the fraud attempt. Therefore I am reporting it here and want it to be known that I NEVER want to bank with them and they need to increase their security and reduce their fraud especially with it happening again so soon.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I want to express my concern regarding the reporting of late payments on my credit report. Despite sending multiple letters to dispute these accounts, the late payment accounts are still present on my file. I have contacted the respective creditor regarding these late payments, and they have acknowledged the inaccuracies in reporting. They have agreed to remove these late payments from my credit report. 
I urge you to take immediate action to remove these late payments from my credit report, as they are inaccurate and are causing significant harm to my credit score. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX