davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (GA)

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681.

EQUIFAX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

In XX/XX/XXXX, I got a mailing from American Express inviting me to open a new credit card account, with a promotional offer of {$350.00} after spending {$3000.00}. I opened a new account ( ending in XXXX ), spent the required amount, and qualified for & received that offer. I paid all my balances on time. In XX/XX/XXXX, I called to close my account because I was going to go do volunteer work in a country in the XXXX XXXX where AmEx is not used. The customer service agent closed my account as requested. I specifically asked if there were going to be any other charges or fees incurred, and they said no. Then on XX/XX/XXXX, I receive an email from AmEx saying my XX/XX/XXXX statement is due on XX/XX/XXXX for {$280.00}! I thought someone may have stolen my card or something. I called AmEx and they said that because I closed the account less than 12 month after opening, the promotional offer was revered! Yet, no one had given me any indication of that possibility at the time of account closure. Otherwise. I would have chosen not to close the account! I asked to speak with a manager and he would not allow me to reopen my account and said " nothing can be done ''. I called AmEx several times after this, trying to explain the special circumstances of this problem, but they were not helping me resolve this, and would not even give me a discount on the fee. This feels really unfair and almost exploitative. Please help! I don't want my good credit score to be negatively impacted by this.
Consumer complaint received 2017-05-02
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. (FL)

XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it  May Co ncern :   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX .  XX/XX/XXXX   XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on XXXX, Experian and XXXX are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (TX)

XXXX the manager at One Main Financial continues to contact me at my place of employment. I have told him repeated times to not call me at work. One of the times he contacted me was on XX/XX/XXXX of XXXX at XXXX XXXX. another is XX/XX/XXXX of XXXX at XXXX XXXX. and several others before that. This is affecting me way more than emotionally and putting undue stress on me and my employer. I do not want to lose my job due to this gentleman continuing to contact me at my place of employment
Consumer complaint received 2023-07-31
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: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BARCLAYS BANK DELAWARE XX/XX/2023 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on BARCLAYS BANK DELAWARE and I noticed that this unauthorized inquiry had been made : { dispute_item_and_explanation } I contacted BARCLAYS BANK DELAWARE, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (TN)

I have sent four ( 4 ) dispute letters from XX/XX/XXXX to XX/XX/XXXX to the bureaus highlighting inaccurate and incorrect information pulled directly from my credit report but the bureaus failed to remove these negatives information from my file. The bureaus kept stating after their investigation, the information disputed were accurate and verified, without providing any proof or the type of investigation used to verify these inaccurate and incorrect information. These bureaus even violated the FCRA regulation because no or proper investigation was conducted to verify the disputed information. Despite additional inaccurate and incorrect information, I always highlighted in each letter I sent, the bureaus failed to remove the negative information and kept reporting them in my credit file. All the disputed item information are in the attached letter I provided.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MA)

I received an email that a credit card was opened in my name through Chase bank when I did not open a card for myself. I contacted Chase bank on Sunday XX/XX/23 and they successfully closed the account and are investigating the issue. 
Since the card was opened Ive received close to emails that someone has subscribed me to almost 100 different government magazines/newsletters/etc. all which have been either blocked or reported at spam so far.
Consumer complaint received 2019-11-03
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. (IL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2023-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX will not investigate my account under FCRA. The account is incomplete due to they can not provide Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance They replied with a billing and with no longer will reply. I demand you guys to fully to investigate this item. This Company illegally supplying information and not acting accordingly to the FCRA Act about furnishers duties. Please help me make them cooperate fully before I escalate. How could a collection be terms for 1 month?
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened a business checking account with Truist on XX/XX/2023, and I made a mobile deposit ( {$500.00} ) on XX/XX/2023, I found out that I could not log in anymore on XX/XX/2023. Tried to reset password, cant even get that done, the system or the mobile app did not give me any message of what happened to my account... So I have to wait until today, Monday, XX/XX/2023, to call the bank to find out why. After being transferred twice, I was talking to the Truist Fraud Department without any idea of whats going on. The fraud department told me that my business account has been locked because of the one mobile deposit I made on XX/XX/XXXX. I was told the check I deposited was returned they also asked 7 questions regarding this single mobile deposit, all questions answered of course. Then, I was told to call back on XX/XX/2023 regarding this matter, not any day early. I understand Truist is trying to protect the customers, however, why does one returned check take soooo many days to process??? Why do I have to wait for 8 more days to call??? Is the bank here to help us or causing us more problems? I need to do business with the business income, but now, I cant even access the account ; plus, I have to wait until XX/XX/XXXX to figure out whats going on, today is XX/XX/XXXX. This long waiting time is unacceptable! Also, why didnt the bank notify me in any method regarding the account locking???
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TN)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-12-01
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. (CA)

Experian allowed the following company to look at my credit report without my authorization. This is illegal and subject to FCRA lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Bankruptcy on my consumer file saying bankruptcy was verified. Notify me who the bankruptcy was verified by because I have supporting documents showing the court did not verify such thing and XXXX XXXX has deleted it from their database. IF A SOURCE COULD NOT BE PROVIDED ON WHERE YOU HAVE GOT A BANKRUPTCY FROM TO FURNISH ON MY CONSUMER FILE THEN THIS BANKRUPTCY NEEDS TO BE DELETED IMMEDIATELY.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (NJ)

I was contacted by a company known as True Accord which prompted my first request for intervention by XXXX in the month of XXXX. I requested for a validation of this debt by provision of my contractual agreement of the loan and the authorization of the company to contact me and request for payment. 
In the same month of XXXX, I received a letter from a different company known as XXXX XXXX XXXX XXXX XXXX. This company is total different from True Accord and made no refence to True Accord which is the Company that I responded. This is a misleading and false representation of debt and Agency. I perceived this act as an attempt to scam me. 
I hereby request that True Accord provide me with the validation documents request.. XXXX XXXX XXXX XXXX has no XXXX XXXX to respond to a matter not connected to them.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have paid this account as agreed and the company/credit reporting agency has reported the account as closed instead of paid as agreed and it has negatively impacted my credit score and report which is not doing right by me as the consumer who fulfilled this high dollar commitment.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed the incorrect information concerning a bankruptcy. They took it off then put it back on my report. The credit reporting is obligated to report the right information. Their old address that I have never live at and past debt obligation that no longer exist. Please report accurate data
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (CA)

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XXXX I contacted Equifax regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$330.00} ), ( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} ), ( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} ), ( Account Name XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} ) The above accounts do not belong to me. I request that you remove these accounts from my credit report. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$770.00} The information regarding this account is inaccurate. It is incorrect to state that the account was ever late. I request that you correct/update this information on my credit report accordingly. 


Account XXXX : XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} I dispute the accuracy of the reported balance for this account. Your agency listed this account as closed, and therefore, the past due amount should not be provided. I believe the reported balance is higher than it should be. I request that you investigate this matter and rectify any misleading data. I intend to contact the creditor directly to resolve this issue, but I require your agency to report the account as disputed during this process.
Consumer complaint received 2017-05-02
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. (TX)

I have sent numerous requests to experian to provide proof of verification of     XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA  Act,  the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the     XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  XXXX .
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NV)

Best Buy/CBNA has started reporting again on my account after 9 years. It was a joint account that I had with an ex. It was charged off and disappeared from my report. Within just a few months ago It reappeared and will not go away. It violates 15 U.S.C. 1681c ( 1 ) of the FCRA and i've tried to resolve it through the dispute processes with no luck. It's adversely negatively affecting my credit and I need this resolved immediately. 

Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX