davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 
XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-09-23
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: DISCOVER BANK (FL)

On XX/XX/22 & XX/XX/22 there were unauthorized/fraudulent charges made to my Discover credit card. On XX/XX/22 I lost my cell phone and later on I realized I lost some credit cards too. These credit cards were in a small pouch, not in my wallet. 
I have auto pay set up on my discover card and didn't realize that the charges had been made until several months later. I reported the fraudulent charges as soon as I became aware of them. The charges were {$980.00} at XXXX XXXX, {$88.00} at XXXX XXXX XXXX and {$3200.00} at XXXX XXXX XXXX, all these charges happened in XXXX XXXX XXXX  XXXX 

Discover card is denying my claim and when asked for an explanation I was told that the merchant claimed the charges were made in person and " validated. '' When I asked how were the charges " validated '' the agent, XXXX, stated that she didn't have that information. I was also told that I had file 2 other claims in the past to which I note, I've have had my Discover card for over 10 years, and this is not the first time Discover falls short on their duty to protect me. One time XXXX sent a package that was lost by XXXX, XXXX sent confirmation that they couldn't confirm the delivery, yet Discover made me responsible. Another time, I lost my wallet, charges were made and a police report filed, but I was told by a Discover representative that when I called they input that I wasn't " happy with the purchases '' and that's why the fraud claim had been denied. I have paid Discover both times despite them failing to protect me and me not receiving any goods/services or having had authorized the transactions.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (NJ)

Several Collections are being reported inaccurately. They are being reported as open with past dues balances. They are also reporting a unverifiable public records And a address
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (AR)

On XX/XX/XXXX I opened up a credit protection claim for my account with aspire credit card. 

I received confirmation on XX/XX/XXXX that my documents were considered under review. 
On this date Also I learned of missing claim document that needed to be turned in, that I never received. 

XX/XX/XXXX I contacted aspire as to why the claim was still just pending and let them know I never received the extra document. 

And in between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I consistently reached out to aspire on this document that was missing and tried to receive via email but only received the same email back every single time. 

" Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. In order to better assist you with your request, please contact our credit protection team at XXXX. Their hours of operation are XXXXXXXX XXXX XXXX  XXXXXXXX XXXX EST from Monday to Sunday. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. '' On or around XX/XX/XXXX I called and was able to speak with someone on the phone with aspire that told me they couldn't process my credit protection claim because " i was so far behind on my payments ''. 

But on XX/XX/XXXX I actually received notification that my credit protection claim was now denied because of the document they didn't receive nor did I receive from them.
Consumer complaint received 2024-04-18
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. (TX)

XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i was disputing the inaccuracies of late payments listed on XXXX XXXX XXXX credit card. I asked to submit proof of the incorrect information on all my credit reports that list worst payments status 90 to 119 days late. Instead of providing proof that updated removing the statement that " consumer disputes this card '' Instead puts card was closed It has been closed since XXXX XXXX.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I was current on my mortgage when I was impacted by COVID. I raise my hand to get on a CARES ACT Forbearance. At the end of 2022, I raised my hand to advised the hardship was over and could not reinstate but I could afford the current payment going forward. It is now almost XX/XX/XXXX with no word on my status. I have had to call in for updates because I am so worried. I am trying to do the right thing. I even escalated to a manager, they advised they have 72 hours to call back but I wait 5 days and called again because no call back.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
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 605B. 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need that consumer reporting agencies exercise their grave responsiblites with fairness, impartiality and respect for the consumer 's right to privacy.

I demand of all personal information from my consumer credit report with the exception of : 1. My full name as it appears in state identification : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nc XXXX Please delete all other addresses, I can not receive mail or any correspondance nor do i have any access to any of these addresses please delete any outdated address and update with one above My only phone number is XXXX delete all other phone numbers I demand any socialsecurity number any date of birth be removed from being displayed on the credit profile for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ) I am a federally protected consumer and have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (AZ)

Hello, These are the inquiries as shown below which was never acknowledged or approved by me but I see them outstanding on my Credit Report. I have reported to the respective credit bureaus to remove them as they are not acknowledged but there is no action or feedback from their end. Please help in removing these inquiries as I have have never provided any consent for any of them. Thanks, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX Personal Loans XXXX XX/XX/XXXX Equifax XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2024-04-18
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)

these hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this well. thank! 

XXXX XXXX XXXX - DATE:XXXX XXXXXXXX XXXX - DATE : XXXX
Consumer complaint received 2023-02-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Mcburberod Financial, Inc. d/b/a SeedFi (FL)

As of XX/XX/2023 I am in discussion by e-mail with Seedfi. about closing an account that I have with them. They are telling me that when they close my account it could negatively effect my credit rating. I never borrowed money from them, they are holding my money in what I thought was a savings account linked to my XXXX debit account- but it's actually some type locked savings account, for the purpose of building credit. The account was too easy to set up via cell phone, and gave the appearance that it was just another XXXX account - a savings account to be exact. I've figured out over the last few months that its not a part of XXXX and the funds are not accessible. I want my money returned with no penalty. But I'm being told that my credit report could be impacted negatively, as if a threat to keep me from closing my account. They have no control over this?
Consumer complaint received 2024-04-18
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

On XX/XX/2024 I sent my FTC Report, my state drivers license ( for identity purposes ) to XXXX, Equifax, and XXXX. I followed the steps for reporting identity theft as stated with to CFPB and the Police Dept also with my State Attorney 's office. I will be filing a civil suit for reporting inaccurate information on my consumer report. Which is a {$1000.00} per violation.
Consumer complaint received 2024-04-18
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and any inquiry.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-18
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. (NV)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-18
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 would like to dispute the following items off my credit report : Equifax : XXXX Account Number : XXXX {$1100.00} XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$470.00} XXXX  Account Number : XXXX {$0.00} XXXX  XXXX XXXX  Account Number : XXXX {$970.00} XXXX XXXX XXXX  Account Number : XXXX {$970.00} XXXX  XXXX XXXX  Account XXXX XXXX XXXX {$4200.00} XXXXXXXXXXXX  Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$1400.00} XXXX Account Number : XXXX {$1100.00} XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number XXXX XXXX {$0.00} XXXX  XXXX XXXX  Account Number : XXXX {$970.00} XXXX  XXXX XXXX  Account Number : XXXX {$970.00} XXXX XXXX XXXX  Account Number : XXXX {$4200.00} XXXX Account Number XXXX XXXX {$0.00} XXXX Account Number : XXXX {$1400.00} XXXX Account Number : XXXX {$1100.00} XXXX XXXX Account Number : XXXX {$970.00}
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2024-04-18
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. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX