davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Rectifying FCRA Violations in My Credit Report Dear Equifax, I'm writing with urgency to address critical discrepancies present in my credit report that blatantly violate the guidelines set forth in the Fair Credit Reporting Act ( FCRA ). It has come to my attention that multiple errors persist in my credit profile, revealing a troubling oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute that governs the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and transparent dissemination of a consumer 's credit data. 

Instances of FCRA violations within my report encompass : Inaccurate financial data provided by creditors to reporting agencies. 

Agencies merging individuals ' information based on similarities in names or social security numbers. 

Neglecting the prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment purposes. 

Receive notification if information in my file has been used against me in credit applications or other transactions. 

Dispute and demand the removal of incomplete, erroneous, or unverifiable data. 

Have outdated negative information removed ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


I anticipate swift action to rectify these violations within the time frame mandated by the FCRA. Failure to comply will regrettably leave me no option but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

l am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reporter the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One cc. I was on a hardship program, and recently was to be placed on a specialty program. Orig : limit was {$200.00}. This was to be an interest free account. I am currently homeless, Capital One is dropping my score XXXX pts a month, and charging me {$40.00} late fees every month. I had been working on my credit, it had raised to XXXX. It is now {$570.00}, do to Capital One. This credit decrease, also, affects me obtaining an apartment.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XXXX Delete this account. 

8. The inquiry was not authorized XXXX  Date of inquiry : XXXX Delete this account. 

9. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account. 

10. The inquiry was not authorized XXXX  Date of inquiry : XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT FOURSIGHT Account Number : 3187 Delete this account. 

17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants' Credit Guide Company (IL)

In accordance with FCRA the creditor XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 status I have the right to privacy. 15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late.
Consumer complaint received 2023-12-21
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. (TX)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 6802. 15 USC 6805 Obligation in respect to the disclosures of personal information.
Consumer complaint received 2023-12-20
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)

Hey, my name is " XXXX XXXX XXXX ", I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must exercise their significant responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I am exercising my rights under this provision. 

Equifax, being a consumer reporting agency, is subject to these obligations. I, as the consumer, have the right to ensure that my private information is not shared, as reinforced by 15 USC 6801, which states, 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ' I have formally requested to opt out of any and all authority granted under 15 U.S. Code 6802 ( a ) ( b ) ( c ), whether conveyed through written, unwritten, verbal, or nonverbal means. This request is effective immediately and is intended to be in effect indefinitely. " Under Title 15 USC 1681, Section 604 ( a ) ( 2 ) defines a financial institution. In this section, it is explicitly stated 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. ' It is crucial to note that both the financial institution and the consumer reporting agencies, namely Equifax, do not have my consent to furnish this information. Moreover, they certainly do not possess my written consent as required by the aforementioned provision. 

Furthermore, according to 15 U.S. Code 1681e, 'Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It is evident that Equifax is not upholding reasonable procedures as required by this provision.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capitol One denied me credit after requesting and obtaining my personal information including my Drivers license, Social, and a copy of my pass port. This violates 12 USC 1431. This is discrimination. The amount of credit requested was {$5000.00}, I have exercised in due course what I was obligated to do, and still denied access to an open end credit line for my XXXX.
Consumer complaint received 2023-12-20
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-12-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-16
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. (NC)

eliminate fraudulent inquiries that are on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-13
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: CAVALRY INVESTMENTS, LLC (TX)

On XX/XX/2023, I received an unauthorized credit inquiry by XXXX  a registered trademark of XXXX XXXX XXXX XXXX XXXX XXXX, without permission and without notifying me before authorizing the inquiry via phone as instructed nor did they perform their due diligence before gaining entrance to my credit report. 

*** Attachment 2 is regarding the second complaint about Calvary Portfolio, Identity Theft collection of misrepresented information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-21
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. (MO)

XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion XXXX XXXX, FTC complaint # XXXX I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) - XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a 4. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (AL)

I received a text message about possible fraudulent charges on my Credit Karma Spend account. I responded to the text that I didnt authorize any charges I immediately received an email saying the virtual card for the account was XXXX and confirmed it when I logged into the app. At that time there was still a little over XXXX $ in the account and I tried to use the chat option but was told disputed could not be handled by chat. I called the customer service number and waited for an agent 4 times, only to be hung up on almost immediately after reaching an agent. By this time even after the virtual card had been locked it was still allowed to make several transactions causing my balance to go to XXXX. Another attempt to reach help was made and I was able to reach an agent that disputed the charges and then claimed that I would receive a provisional credit on the tenth day. Its day 12 and I have not been given the credit. I did receive an email that stated my disputes were denied because I authorized the charges, WHICH I DID NOT!! My federal return is to be posted to this account on the XXXX and out of fear that this person will steal potentially thousands of dollars Ive had to constantly monitor the account. I have received emails every day since reporting this that an automated deposit from my local bank account has been initiated and Im not initiating them. So the person is trying to not only spend money from the account but potentially pull money from other accounts to steal as well. I changed all of my email, passwords and made sure no incorrect information is in the account so I have no clue how this person is being allowed to charge or create these deposits?????!!! The transactions being made are as if someone has used the virtual card on their XXXX to add money to their account because it says XXXX XXXX XXXX . Which is not my name or my XXXX. I immediately began researching and found users on other website who have reported this exact issue even down to same XXXX  name on the charges who have lost hundreds and thousands of dollars and fought tooth and nail everyday trying to get their money returned. I want my money returned and I want to get it out of the account along with my federal refund that should be deposited on the XXXX and then I want to disconnect my connected account and close this entire account with Credit Karma because I will never be put in this situation again!!! Its impossible to get adequate customer service or resolution.
Consumer complaint received 2023-08-30
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. (NJ)

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 items ( A ). It is not permitted to report these items 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 deletion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I Purchased back massager machines from " XXXX XXXX '' and the charge went to my Capital One XXXX. XXXX is defective. Contacted company stating machine is defective and I wanted to return it. The company stated they would not accept the return and instead wants to repair the machine. Company provided proof of delivery to Capital One and Capital One closed my dispute. 

See VISA rules print out from " XXXX XXXX XXXX for XXXX '' printed by XXXX. Reason code # XXXX states for a defective item a merchant is not allowed to assert return policy or warranty policy and must accept the return. 

I have a valid chargeback and Capital One wrongly closed my case in violation of my chargeback rights and VISA rules. 

I have attempted to return the item and the merchant has refused the return. 

Merchant response only states they will offer warranty service. VISA rules do not allow a merchant to avoid a chargeback by offering warranty repairs.