davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate thus account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$420.00}.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One declined my application for the Venture card. My application number is XXXX. 

I was denied for too many new accounts. I already have two Capital One accounts and would actually rather change one of them ( the Walmart Cap One XXXX ) for for Venture card but they wont permit that, I applied for a new card. 

The letter I received this evening from Capital One contains none of the required information regarding which bureaus they pulled despite the fact that the letter says that they are listed on the reverse side. There is nothing on the reverse side other than an Equal Credit Opportunity Act disclaimer. 

Quite frankly, I am so disgusted with how I have been treated overall by Cap One that I am inclined to just close all my accounts.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX To Whom It XXXX Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX Texas to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to DELETE from my credit file. UPDATE SEE ATTACHMENTS : Attached proof of documentation from court concerning XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX For XXXX. XXXX  has sent Court order TO DISMISS THE CASE AGAINST ME AND ORDER has been SIGNED BY JUDGE in the jurisdiction, where the initial petition have been filed! XXXX  dismissed my CFPB case I sent on last week and that was close so Im re-opening this because the proof is there in the form of legal document, signed by their hired attorneys from XXXX XXXX and signed by the Jurisdictional Judge in my city. THIS THE SECOND TIME IN ONE WEEK OF MY SENDING THIS INFORMATION TO XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint and request an investigation into the inaccurate information present on my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$6700.00} Please remove it from my credit report.
Consumer complaint received 2023-05-01
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally submit a complaint regarding inaccuracies in my credit report, as maintained by TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies on my credit report. As of the present date, TransUnion has not responded to my inquiry. I am outlining the erroneous information below, along with the necessary corrections : Account Not Mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$4000.00} Request : Please remove this account from my credit report. 

Account Not Mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2300.00} Request : Please remove this account from my credit report. 

Account Not Mine : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Request : Please remove this account from my credit report. 

Account Never Late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Request : Correct the inaccurate late payment information on my credit report. 

Account Never Late : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7900.00} Request : Correct the inaccurate late payment information on my credit report.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (PA)

A fraudulent account was opened with Chime and credit card was requested by thief. I got email notification of this act. I immediately called Chime and had them close my account. They confirmed that my account was fraudulently created using my identity and they have closed my account. 
However, on XX/XX/XXXX I received another email that a credit card was issued under my name and address needs to be updated. I have set up a fraud alert and frozen unathourized access to my credit. Yet this account was opened again. So it could be that Chime did not close my account and the third if still trying to access it. Chime has very lax security measures and seemingly makes opening of accounts without any authentication. This is dangerous for the consumers especially who have been a target of identity theft. Chime needs to be held accountable.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX  morning XXXX about XXXX I tried to withdraw XXXX dollars off my payroll card and the ATm said they were having technical difficulties... But they withdrew the money off my card and I received no funds from the ATM... I went to the bank at lunchtime because the card company told me to ... the bank said they couldn't do anything it was the card company responsibly... I work hard for my money and I need my money refunded to my card and I'm getting the run around... please help
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous reporting of a late open account on my credit file, as maintained by Equifax and XXXX Credit Bureaus. Despite multiple attempts to correct this inaccurate information, it continues to adversely affect my credit profile and financial standing. 

The late open account in question is associated with Credit Bureaus, and it has been inaccurately reported as late, despite my diligent efforts to ensure timely payments and compliance with all contractual obligations. This erroneous reporting has resulted in a significant negative impact on my credit score and financial opportunities. 

I have taken the following steps in an attempt to rectify this situation : I have contacted Credit Bureaus, on multiple occasions to dispute the late open account entry and request its removal from my credit report. However, my requests have not yielded the desired results. 

I have provided documentation and evidence to demonstrate that this late open account reporting is inaccurate, including [ mention any supporting documents you have, such as payment records, correspondence with the creditor, or any other relevant proof. 

I have initiated disputes through your bureau, attaching all the necessary documentation to support the legitimacy of my claims. Regrettably, these disputes have not led to the correction of the inaccurate reporting. 

The continuous presence of this inaccurate information on my credit file has not only hampered my ability to access credit but has also caused considerable emotional distress and frustration. It is essential that this matter is resolved promptly to ensure the accuracy and integrity of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough investigation into the late open account reported by Credit Bureaus and verify the accuracy of its late status. 

Coordinate with Equifax and XXXX Credit Bureaus to rectify this error by promptly updating my credit file to reflect the accurate and timely opening date of the account. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement measures to prevent the recurrence of such errors in the future and enhance the accuracy of credit reporting. 

I understand that accurate credit reporting is essential for individuals ' financial well-being, and I expect your bureau to uphold the highest standards of integrity and accuracy in this regard. I am asking for your assistance to correct this late open account : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as maintained by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion regarding the following erroneous entries on my credit report. Despite the considerable time that has passed, TransUnion has not provided any response. I am providing the details of the incorrect information and the necessary corrections below : Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3800.00} Please remove this account from my credit report. 

Account : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove this account from my credit report. 

Account : USDOEXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$30000.00} Please remove this account from my credit report.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}
Consumer complaint received 2023-09-30
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. (MN)

I am directing this formal complaint to you with the expectation of immediate removal of the following fraudulent inquiries from my credit reports at Equifax Credit Bureau within a 15-day period : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-30
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. (OH)

I kindly request your attention to the following matter. It is imperative that I seek the removal of the inquiries on my credit reports which are adversely affecting my credit file. I hold the sincere hope and expectation that the credit bureaus, namely XXXX, XXXX, and TransUnion, will expeditiously eliminate the listed inquiries, as outlined in the subsequent complaints : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

After much investigation I discovered an auto loan had been submitted to Prestige. The dealership I believe that submitted my application is refusing to provide me with the original loan application.

I contacted Prestige to see if they could provide this information and to ask their policies on self employment, XXXX  pay, child support and verifiable part time employment as they denied the use of this income - according to the vague explanation by the suspected dealership. And why I was denied a consumer interview or to speak with anyone regarding my application. The company has refused any and all attempt or requests for clarification and or information. 

Prestige declined to provide any of the above information and referred me to the XXXX. 

I do believe that not only was the application submitted by the dealership - not myself was inaccurate. And also believe my verifiable and protected sources of income were denied against the Fair Lending guidelines. And personal bias was used in determining my worthiness in this case but am unable to discern or consult due to the refusal to provide any information - Ive since requested only a copy of my initial application which has gone ignored. 

I called XXXX XXXX and was told I would receive a call back and have not gotten a return call. 

Ive attached email correspondence below.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Business Bureau (IL)

I just recently checked my credit report and noticed that the account is still on it. They have been re-aging/re-opening this on my report as a new account every 2-3 years. This has been going on since at least XXXX  as I believe that was when I first noticed this account on my report. I havent even gone to the hospital which was the original collector in 15 years. They definitely have been utilizing fraudulent practices and this is effecting my credit score over 10 years later. This should have fallen off of my report in or around XXXX.but of course, they re-opened the account in XXXX AGAIN!
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

The items listed below are reported on my personal credit file and were found in my reports with Experian and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX SXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

In XX/XX/2022 my parents account at citibank was closed. My account was a custodial account of my parents account and therefore was blocked at that time. Since then I have called citibank many times to close the account and return my funds. They promise to look into it, however, no resolution for 9 months.