davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (CA)

I called the XXXXXXXXExperianXXXXXXXX after I purchased a credit report with XXXX XXXX dated XXXX XXXX After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Accounts : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}, on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please update these negativity IMMEDIATLY.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (MO)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-03-17
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. (MN)

I pulled my consumer report on XX/XX/XXXX of 2022 and saw there were some inaccuracies on my XXXX report. I sent in letters to this reporting agency a few times, only to not get a response nor remedy, my most recent letter sent 30 days ago which is the cut-off date and time that they have to respond or fix the inaccurate report. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given XXXX permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to XXXX resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2023-02-28
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. (NY)

I am writing this letter to express my extreme dissatisfaction with TransUnion. This is the fourth time I am requesting a dispute against XXXX XXXX XXXX XXXX and XXXX XXXX  accounts, which are unauthorized and fraudulent. Despite providing all the necessary documentation, TransUnion is the only credit bureau that is giving me a tremendous amount of issues removing these unauthorized/fraudulent accounts from my credit report. 

I have already submitted a FTC report, proof of residency letter with my utility bill, government-issued ID, and passport to all three credit bureaus. XXXX and XXXX have already removed these accounts from my credit report. However, I am still facing this issue with TransUnion. This has caused me great hardship and stress. 

TransUnion is violating the Fair Credit Reporting Act ( FCRA ) law, and I should not have to accept this level of unprofessionalism and discrimination. TransUnion inability to remove these fraudulent accounts from my credit report is causing me financial and emotional stress. 

TransUnion 's lack of action is intensifying my hardship, whereas XXXX and XXXX have relieved me from this burden.
Consumer complaint received 2018-10-08
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: EQUIFAX, INC. (TN)

Dear Credit Bureau : Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : XXXX XXXX Account:XXXX Reason : Not My Account Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTB, XXXX, CFPB
Consumer complaint received 2023-07-11
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

Hi XXXX XXXX. 
I see that you refounded money on my escrow account, Could you tell me please how much i own you. 
I paid you {$1000.00} for XXXX, XXXX and XX/XX/2020 instead of {$1700.00}. 
The difference is about $ 660 monthly.The total should be about {$2000.00} for the 3 months. 
I will not pay you late fee.
Consumer complaint received 2022-11-24
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. (SC)

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/23 at XXXX I made a purchase at XXXX XXXX using my debit card, and the employee receiving payment tapped it on the payment device. On XX/XX/23, XXXX, XXXX seconds later, the fraud transaction for {$350.00} was charged to my checking account. The fraud is listed as XXXX XXXX XXXX XXXX XXXX. I immediately filed a claim with Chase reporting fraud. I authorized my debit card to be canceled. My claim was denied on XX/XX/23. Per Chase, I made the transaction since I'm in the same geographical area and so were the XXXX transactions and they can not prove I did not make the {$350.00} purchase. I did some more investigating on my own. I was able to look up the square receipt based off my closed visa debit card number. I found the address for the {$350.00} fraud claim, located XXXX miles in XXXX from XXXXXXXX XXXX located in XXXX. It would be impossible for me to drive XXXX mi within XXXX seconds and use my card in person as stated on the transaction. I have filed a police report with my city department for petty theft as well. I have attached a copy of my XXXXXXXX XXXX purchase, the fraudulent Chase transaction, the XXXX receipt with that location, a screen shot of the XXXX address I made my purchase and directions to both locations showing distance.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX  - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. 

I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-05-23
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 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 2023-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2018-03-13
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: AMERICAN HONDA FINANCE CORP (CA)

I HAVE SENT XXXX EVERYTHING REQUIRED BY THE FCRA AND THE ONLY THING THAT THEY CAN DO RE DISPUTE THE ERROR THAT THEY REPORT ON YOUR CREDIT EVEN AFTER FOLLOWING ALL THE STEP 'S AND GUIDELINES PUT IN PLACE BY THE FCRA. I WAS TOLD THAT AMERICAN HONDA ACCOUNT NUMBER # XXXX WOULD BE REMOVE WITHIN 48 HOURS HERE WE ARE 10 WEEKS LATER AND THEY OFFER TO RE DISPUTE THIS UNLAWFUL REPORTING EVEN AFTER THEY HAVE REVIEWED ALL THE DOCUMENTS SENT IN TO THEM. IM AFRAID TO EVEN GIVE MY PERSONAL INFORMATION TO XXXX DO TO THE FACT THEY OUTSOURCE THERE FRAUD CLAIMS OF ALL THINGS TO A 3 WORLD COUNTRY THAT U.S. LAW 'S AND GUIDE LINES DO NOT APPLY..
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX Date : XX/XX/XXXX EQUIFAX XXXX XXXX XXXX, XXXX XXXX GA XXXX Dear, Equifax ( SECOND XXXX REQUESTS ) This is my second request on the removal of these inquiries on my consumer reporter. I discovered multiple hard inquiries that's shown on my consumer report which have known actual accounts. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. If accounts are not removed within the next 30 days I will be taking legal action with intent to sue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

Account opened on XX/XX/2021 for {$470.00}. I reached out and to American Eagle [ Synchrony Bank ] about an account opened in my name. I never applied for this credit card. This a fraudulent account. 

In Accordance with fair credit reporting Synchrony Bank has violated my rights.

1. 15 U.S. Code 1681 Section 602A States : I have a right to privacy.

2. 15 U.S. Code 1681 Section 602A States : A consumer reporting agency can not furnish a account without written instruction
Consumer complaint received 2023-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I looked over my credit report today and seen some discrepancies and there is a charge of {$200.00} for a capitol one that began on XXXX XXXX the account number is XXXX.
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (NY)

Gm account went into charge off in XXXX and the account should have been closed that year. instead they closed account on XX/XX/XXXX .and there was no activity on the account for 4 years. all of sudden XXXX Gm reported 30 days late on my credit report for 56 months to present, which is wrong. 
the account in now payed and i have a 1099-c .and GM now change my credit report to 56 charge offs every month .which once again is wrong. 
this account should have been closed in XXXX with the charge off even with account closed and payed GM still uo to XX/XX/XXXX reported on my credit report negetive info. 
Gm account # XXXX. i would like this account cleared up pay and close from XXXX and 55 of teh charge offs removed starting from XXXXXXXX .thanks.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$380.00}
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Throughout the duration of this account, I've consistently made sure payments are made promptly, avoiding any instances of overdue payments. However, I find myself perplexed by the presence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections should be made to rectify any discrepancies.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (CT)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Consumer complaint received 2023-09-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP (WI)

Setting up online banking or requesting account info over the phone requires me to provide my full social security number. Old National bank personnel are very adamant about the quality of their security protocols, but they don't seem to understand that their practice of requiring full SSNs to even get in to their system presents an unnecessary security risk to customers. The fact that the Social Security Administration itself, along with the NSA, Dep't of Homeland Security , Dep't of Defense, and many others including banks, have been hacked rendering these assurances moot, It is unnecessary to provide a full SSN to verify someone's ID. Old National is the only institution I deal with that requires this. All others require only the last XXXX digits of the XXXX to verify XXXX XXXX XXXX from another. 

Old National exposes its customers to abuse and corruption by creating an avoidable opportunity for data miners, scammers, and other nefarious actors to poach important personal information.
Consumer complaint received 2023-08-31
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: CITIBANK, N.A. (SC)

I booked a two bedroom apartment for one night through XXXX with XXXX adult and XXXX child ( XXXX XXXX XXXX ). I have a confirmation email confirming the reservation with the statement at the bottom of the email stating This property considers guests aged XXXX and under, at time of travel, to be children. PLEASE SEE THIS STATMENT ON PAGE XXXX, under " Guest charges and accommodation capacity '' of the " XXXX XXXX XXXX  '' Apartment manager called us the day before our reservation, accused us of lying by saying that our XXXX is a child, and refused to allow us to stay in the room. In a chat with XXXX they also said we lied, even though i have the confirmation FROM THEM that we didn't lie, and that a XXXXyo is considered a " child. '' I disputed the charge with my CitiBank credit card. They are refusing to credit me the {$590.00} even though we paid for the room for XXXX people, were not allowed to stay in the room, and were refused a refund, see " XXXX XXXX XXXX XXXX  ''. CitiBank will not refund the money unless XXXX agrees to give a credit slip. The entire reason I am disputing the charge is XXXX wouldn't give me the product AND refused to give me a credit for it.