davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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. (PA)

I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-05-22
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
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. (PA)

Subject : Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concern regarding the completeness and accuracy of the information contained in my credit report, as mandated by 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2023, I acquired a copy of my credit report from XXXX, Experian and XXXX. Upon reviewing the report, I noticed several discrepancies and inaccuracies that require immediate attention. In accordance with my rights under 15 USC 1681i ( 5 ), I have already requested the credit reporting agency to conduct a thorough reinvestigation into these matters. 
I have taken the following steps to address the inaccuracies on my credit report : Obtained my credit report : I acquired a copy of my credit report from XXXX, Experian, and XXXX. 
Reviewed the report : I carefully examined the credit report, thoroughly analyzing each section and account details. 
Identified discrepancies : I discovered several instances of inaccurate and incomplete information in my credit report. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit report, provide specific details of the errors you found, such as incorrect account balances, and outdated personal information. 
Disputed the information : I promptly submitted a written dispute to XXXX, Experian and XXXX on XX/XX/2023. In my dispute, I clearly outlined the inaccuracies and attached all relevant supporting documentation to substantiate my claims. 
I kindly request your assistance in ensuring that the credit reporting agency complies with the provisions outlined in the FCRA. Specifically, I would appreciate your oversight to ensure that the credit reporting agency conducts a reasonable reinvestigation within the 30-day timeframe, as required by 15 USC 1681i ( 5 ). Furthermore, I would like to request that you monitor the resolution of this dispute to ensure its accuracy and fairness. 
Enclosed with this letter, please find copies of my credit report, the dispute letter I sent to the credit reporting agency, and all supporting documentation related to the inaccuracies identified. These documents will provide you with a comprehensive overview of the situation and assist in your investigation. 
I genuinely believe in the importance of accurate credit reporting, and I am committed to resolving these discrepancies. I appreciate your attention to this matter and look forward to your assistance in rectifying the inaccuracies on my credit report. If there are any additional steps or information required from my end, please do not hesitate to contact me. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-24
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. (NC)

I sent a letter to you to reinvestigate my negative accounts and even sent you my credit reports showing that you didn't update anything and according to the FCRA 15 U.S.C 1681 e ( b ) the dates, balance & etc had to be the same on all 3 credit reports and it was in aaccurate ; so by law it was supposed to be deleted but you took it upon yourself to update it which was illegal. 

The accounts name and number are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also 15 U.S.C 1681 a ( 2 ) a ( 1 ) Exclusions Transactions between the consumer and person ( Corporation ) are excluded from the consumer report so this is what it states; so where does my late payments come from.

This is Federal Law. It looks like yall are not following the Federal Law to me
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXXXXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I went into a kohls Department store XXXX XXXX, IL like I have plenty of times. The associate asked me actually she was very persistent for me to apply for a Kohl 's charge card.When I filled out the application just some most was on the keypad I did request the protection. Like I do with other credit cards. This was a short but very memorable credit account. Kohl 's credit department called me constantly even before a payment was due. I felt alone in this account because upon approval I didnt receive contact information or payment information. So, I begin to have financial problems of course I couldn't pay my Kohls account but could make some type of payment. All my inquiries for help was denied. No assistant or other payment options were offered. I ask if some late fees can be removed when I make a payment she told me 1 or 2 but my account charged 6 late charged at that point. I have credit cards currently and all offer some type of payment options even if your not in the protection plan. Then kohls credit department stopped calling me and collecting on this account. So I called and talked to a collection manager, she stated the account has been closed. So, I was puzzled of course. Asking her what can I do to pay or set arrangements. She stated nothing can be done at this point. Kohls credit department did not call me or notify me about closing my account. Actually they told me that in my account information " ( do not contact '' ) is listed. I never ask kohls credit department not to contact me. I think something is not right with this account is seem like they opened the account just to have it closed.
Consumer complaint received 2024-04-02
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. (GA)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. 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, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*** Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current. 

4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-02
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. (MI)

The purpose of this complaint is to have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have submitted letters to request my alleged ownership of the accounts but so far have not gotten any mailed response to my request. i have been a victim of identity theft and i requested to get all copies of my signature documents which is alleged to prove ownership of the accounts.so far i have not heard any response but the accounts are still showing on my credit reports.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 2024-04-02
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. (MI)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2024-04-01
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. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (GA)

In Accordance with Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Names and account Numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing ay of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 9 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer-reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

On the XXXX and XXXX of XX/XX/2022, someone ( apparently a Chase employee ) initiated a totally unauthorize and illegal movement of {$52000.00} from the Line of Credit account ( XXXX ) to the XXXX XXXX XXXX checking account ( XXXX ). During the same time frame, the Chase Bank used a balance which had been accumulated in the checking account ( the XXXX number had been changed to ( XXXX ) to pay and amount ( about {$100000.00} which Chase Bank had previously determined was fraudulent. This amount, turned out to be more than the prevous payable recorded. These Chase Bank unauthorized and illegal reducations from the Caregivers, Inc.accounts had devastating results, essentially putting the company out of business, and putting employees out of work.
Consumer complaint received 2023-04-19
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
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. (VA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-01-24
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. (GA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-02-26
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. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for DEPT OF ED/XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Blackhawk Network Holdings Inc. (NY)

In XX/XX/XXXX I purchased a reloadit pack for the amount of {$500.00} dollars. I tried to load it to my prepaid card and I got an error saying we are experiencing technical difficulties and to try again later. So I tried again and again and I would get the same error. I contacted customer service and they told me to try a few things that ultimately did n't work. I filed a complaint to the BBB and I got a response from someone saying they issued a refund and I would receive it by XX/XX/XXXX I still have n't received the check that they mailed and I called them again and they said I would get a call back from a specialist and still have n't gotten a call back. I 've waited over a month now for my money back and am running out of patience.