davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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. (MA)

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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Recently i looked at a copy of my chexsystems report and noticed several addresses on my report. PLEASE remove all addreses that not my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (TX)

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} - tied up to open XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$640.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MI)

XXXX XXXX Reported : XXXX XXXX, 2023 Never open this card and they still reporting to my accounts. I did open an identity theft and this company will not take this off my credit report. 

Again I dont have this account and its been closed and investigation started. 

I want this taken off my reports
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, HAS VIOLATED MY RIGHTS. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 in accurate.
Consumer complaint received 2023-08-23
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. (TX)

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 2023-04-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like to remind Bank of America that, as a victim of identity theft, I have the right to dispute any account created using my personal information. I have filled an FTC affidavit in early XXXX and sent it to the CFPB, who subsequently sent it to Bank of America. I have been out of the country since XX/XX/2023 and, upon my return, I received multiple mails from Bank of America asking me for a copy of the FTC report. By declining my claim, Bank of America is denying me my rights under the Fair Credit Act. I would like to remind Bank of America that they have a copy of the FTC report, which the CFPB sent them, and request that they reconsider my claim.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX XXXX XXXX and living on a fixed income of my monthly social security benefits. My wife passed away last year and I contacted Kohls in XXXX of 2022 to ask to lower my interest rate on my outstanding Kohls card balance. They would not lower my interest rate and I've been making the minimum monthly payment of {$42.00} per month but with the 30.74 % interest rate the monthly interest charge is {$30.00}. At this rate I have been unable to lower my principal balance at all and I will never be able to pay off this balance.I have been paying this minimum monthly balance for many years so the company has made significant money from my interest payments. 

I called Kohls again on Saturday XX/XX/XXXX and asked to have my interest rate lowered so I could keep paying on this account. Now that my wife passed away and I don't not have her social security payments my only option is to defualt on this account if I can not get an interest free arrangement. I feel this is financial elder abuse and I have tried to resolve it myself and I need help!
Consumer complaint received 2024-05-02
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: AMERICAN HONDA FINANCE CORP (MO)

Hi there and good day I noticed there are a few things on my 3 credit reports, that are inaccurate. I contacted all the companies and ask them to correct their inaccurate information with all 3 credit bureaus. I explained I never gave permission for my credit to be ran with these companies. I contacted the credit bureaus and requested this inaccuracies to be removed. The information has not been removed. Please have them remove this off my credit reports. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (NJ)

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 ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the update or deletion of the following inaccurate items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (VA)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX  XXXX XXXX Balance : {$380.00} ; XXXX XXXXXXXX Balance : {$360.00}
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states XXXX. Accuracy and fairness of credit reporting. The Congress makes the following findings : XXXX. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

Purchased windows and installation agreement with XXXX XXXX on XXXX XX/XX/XXXX for 5 windows. 
Received call on XXXX XX/XX/XXXX that grid pattern could not be made ; would call me back in XX/XX/XXXX to provide update, but never called me back. 

Installers came to house on XXXX XX/XX/XXXX with 5 windows. Grid pattern did not match 3 windows. I did not accept windows. Installers did not install these windows. Installers took these windows with them. Installers only installed 2 sidelights. I called XXXX XXXX while installers were at my house and they told me they would write a note on my account that I did not accept windows due to wrong grid pattern. I sent an email to XXXX XXXX as well. I contacted XXXX XXXX several times between XXXX XXXX XX/XX/XXXX, nobody called me back. I disputed charge. I have tried to followup with this case multiple times with XXXX XXXX customer care, but I have not been successful. Sales manager, XXXX XXXX told me that he was going to refund me, but then stopped the process and stopped communication when I wouldn't drop the dispute. The installation manager named XXXX called me at some point and mentioned he had to talk with another manager, but never called me back. Please be aware, this was a second order of windows of XXXX XXXX I purchased with a problem. It is unclear why this can not be resolved.
Consumer complaint received 2023-06-14
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (OR)

XXXX a call from someone stating a process server was coming by. Nothing. XXXX same thing but got a telephone number, but both are not owned by XXXX XXXX They say it is a credit card debt for {$7700.00} from XX/XX/2003 and I signed a waiver to waive credit write off to a Providian Bank now owned by Chase Bank who has no record. XXXX at XXXX (? ) Says I can either settle in court which is in a different county where the complaint was issued and my home. The addresses given where I once lived are wrong in dates. Was going to send email with information and today wouldn't give a private investigator 's name nor number. He kept saying their will be a lien on the house.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My information was involved in a data breach. Resulting in multiple inquiries from the same financial institution multiple times at different dates! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 5th '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received a phone call from a citizens bank number on XX/XX/23, about fraudulent charges and them wanting me to authorize them. I said the charges were not made by me so they told me they were going to cancel my card, send me a new one and freeze my mobile banking as it looked like scammer had gained access. Not knowing it was fraud - caller ID said citizens bank and he did and asked everything they do- I gave my information and {$500.00} was taken from my account. My online banking, debit card and credit card were all compromised. Citizens bank denied my claim and reimbursement because it appears I approved the money transfer - because I was following directions of the fake customer service employee.
Consumer complaint received 2023-08-23
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: Bread Financial Holdings, Inc. (OH)

My XXXX got hacked and it says I applied for a credit card and I didnt I did a police report because my identity got stolen And theres also Victoria secret on my hard inquiries and I never applied it had one of them accounts
Consumer complaint received 2024-05-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (GA)

After pulling my report I noticed a collection account owed by XXXX XXXX XXXX showing that I owed a former community {$1400.00}. I contacted the company and asked for a detailed ledger with explanations. The ledger showed that I paid my last month 's rent and final utilities. It also showed the {$1400.00} as a reletting fee. When I asked what a reletting fee and to prove that I owed this, they could not. So, I personally went to XXXX XXXX and requested a ledger and explanation from them. They gave me a printout showing that I had a {$0.00} balance and that they had no idea what the {$1400.00} charge was. ( ledger attached ) So, I filed a dispute with the credit bureaus. Suddenly I received an email from the National Recovery Agency telling me that XXXX XXXX XXXX sold my account, but all I owe is {$51.00} now, and the rest of the debt was paid off. I know that the credit bureaus did not research, because they would have seen that my account was sold. XXXX opened a dispute and settled and closed it the next day. I am attaching the ledger from XXXX XXXX showing a {$0.00} and contact information, because obviously the bureaus are not researching. Please contact XXXX XXXX. They will tell you that I owe nothing. ( XXXX ) XXXX
Consumer complaint received 2023-08-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/2023 Subject : Failure to Provide Debt Validation Dear XXXX XXXX XXXX, I am writing to bring to your attention that despite my previous request for validation of the debt, as per my letter dated XXXX XX/XX/2023, I have not received any response or documentation from your company. This failure to provide validation is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Details of the debt in question are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$1400.00} As outlined in the FDCPA, I have the right to request validation of the debt within 30 days of receiving a collection notice. I sent a timely request for validation on XXXX XX/XX/2023, providing you with the opportunity to provide the necessary documentation to verify the debt, including proof of my liability and your authority to collect the debt. 
Given the lack of response and failure to provide validation within the required timeframe, I am disputing the validity of this debt and requesting immediate removal of the debt from my credit report. I have also informed the credit reporting agencies about this dispute. 
I expect your prompt attention to this matter. Failure to comply with the FDCPA and rectify this situation may result in legal action being taken against your company. 
Please provide written confirmation of the removal of this debt from my credit report within [ reasonable timeframe, e.g., 30 days ] after receiving this letter. Additionally, I request that you cease all collection activities. 
related to this debt until the requested validation is provided. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution of this dispute. 
Sincerely, XXXX XXXX