davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has been unable to provide a XX/XX/2024 statement for my credit card. I called in XXXX and they stated there was an IT error and it would be corrected shortly. I called on XX/XX/XXXX, 6 weeks later and there is still no XXXX statement. The credit card personnel stated it has impacted a number of customers, it has been escalated, but there is no known action or date when it will be fixed. Mind you that the card, which is on autopayment at the end of each month and for each statement did pay a sum for the charges which would have been on the XXXX statement and covered the XXXX period. This makes ensuring there is no fraud on the card difficult and the company doesn't seem to be working the issue.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 inaccurate.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 USC 1681. 

Account Name : XXXX XXXX XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 inaccurate.
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (FL)

Complain against : Aldous and Associates ammount : {$160.00} opened case since XXXX. 
I bought a membership to XXXX XXXX long time ago and I was paying like {$21.00} a month, the payments was take authomatically from my personal account in XXXX XXXX. 
When the Covid19 restriction was imposed here in XXXX Florida the goverment shut down the Gym for a year more or less ( means we can not go there or received service ), even though XXXX continue debit my personal account every month without interruptions during all Covid 19 shut down, if you do the math will see I PAID THEM MORE OR LESS {$250.00} FOR A WHOLE YEAR AND I CAN'T BE ABLE TO RECEIVED SERVICE. 
One day after the Covid 19 shut down was lifted I don't remember the date my debit card account was compromised in a intent of fraud and XXXX XXXX canceled the debit card and issue another, I recognized I forgot to give the new one ( debit card ) to XXXX XXXX but what going one in that time, I was very afraid to resume my visits to the Gym again because of the possibility of getting an infestation and bringing it home where I live with a XXXX XXXX baby. 
I think : 1- ) The alleged debt of {$160.00} is offset by everything collected without service. 2- ) In the supposed case, I would only have to pay for one month ( {$21.00} ) because the Gym close my membership immediately they did'nt received the monthly payment 3- ) Aldous and Associate damaged my personal credit since the time they opened this unfair collection. 
I JUST WANT : A- ) CANCEL my {$160.00} debt to XXXX XXXX with the year they were closed due to Covid19 restrictions AND RECEIVED PAYMENT FROM ME, and REMOVED THE COLLECTION FROM MY CREDIT PROFILE. THIS IS VERY FAIR AND ACCURATE THING TO DO. 
B- ) In the case will be consider I have to pay them need to be only for one month of service which is {$21.00} and also removed the collection from my credit profile because is fair and accurate thing to do as well.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-12-27
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. (TX)

This credit reporting agency is reporting information regarding my payment history and utilization without my consent. I have not given it the authorization to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " 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. '' I have not sent written instructions to this agency to furnish my transaction history. The history of my transactions are not supposed to be included on my credit report without my consent and authorization. This credit reporting agency is also in violation of the Privacy Act of 1974 which states that, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 USC 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments or utilization on my credit report.
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

In XXXX I applied for the Amazon store card with synchrony bank as they were offering a {$100.00} gift card in exchange. Not even a month later I get an email that showed a balance of $ XXXX despite the fact that I hadnt even received a physical card, nor had EVER used the credit card. I called synchrony immediately and was told they had a {$0.00} fraud liability policy and that she was going to file the dispute for me over the phone. I even got a follow up email from them. To my surprise one month later in XXXX, I got a bill for {$980.00}. I called, yet again and was told it could take up to 90 days. I was annoyed but agreed. In XXXX the 90 days had surpassed and I got a phone call asking to collect an overdue payment. I called once more, was transferred three times and when placed on hold for 15 minutes the call disconnected. No one ever tried to call me back. I called again last week finally reaching an account manager who claimed I only disputed {$100.00}. I was in tears. I had been calling them every few months and was told the claim was still being investigated just to have XXXX tell me theres no documentation of fraud. He was so beyond rude and threatened to hang up on me. He then asked me so which purchases are fraud? I told him i had no clue what this person purchased only that when i first called 6 months ago, I was told it was one {$400.00} and one {$500.00} purchase made. He then said theyd send me a statement so i could dispute the individual claims and I have received NOTHING. They claim to record the phone calls for training purposes so I asked him to review my phone calls that would solidify my claims and he laughed and said yeah, no. Synchrony bank is disgusting and looking at the other 488 complaints made in the last 6 months, pertaining to similar issues, they should be shut down. I worked so hard to raise my credit store and am STILL taking hits to my score today. I filed a claim with the XXXX  and will be involving an attorney if this isnt resolved before the new year, Please help me.
Consumer complaint received 2021-03-17
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)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30  days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

To Whom it may concern : We are writing to you regarding the following accounts : XXXX XXXX XXXX XXXX XXXX As of XXXX these said accounts have destroyed my credit ( well over XXXX ) In late XXXX my bank account information was stolen and used in various areas of the US for thousands of dollars. I have suffered terribly from this happening and am now in the process of rebuilding. As of today XX/XX/22 all of my XXXX  payments are up to date and I plan to continue these payments. 

I am in the process of beginning a new job where credit is heavily weighed in order to gain employment so I ask for a goodwill adjustment on these above accounts. As you can also see prior to This I have successfully paid my account and I ask you to please work with me on this. 

Thank you, XXXX XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

A collection account was posted to my credit report by Credence Resource Management a few months ago. I disputed the account as I had no knowledge of it and it was removed after 30 days, and then has resurfaced again on XX/XX/XXXX. I have been receiving credit alerts from the credit bureaus indicating my information has been spotted on the dark web. Name, social, email etc. I have attributed this account with these activities. 

I have never had a business relationship with XXXX as this is the company the collection agency is trying to collect for. I have re-disputed this collection activity with XXXX Credit Bureau. They advised I get a police Report and file a report with the FTC which refer me to this website. 

CREDENCE RESOURCE MANA has flagged your account as Collections on XX/XX/2023. 

Source : XXXX XXXX : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$2000.00}
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (CA)

I took a loan out with the company on XX/XX/2021. 
Due to covid I was in a really bad spot financially. 

In XXXX I spoke with At the time name XXXX XXXX. And I told them my situation that I wasnt able to pay them back just yet due to my work situation and looking for a new job. 

I recently just had XXXX back in XXXX and have been off work since XXXX of XXXX and I told them directly once I get my XXXX and can fully return back to work I will pay them back slowly. 

But Ive been receiving threats from them to take me to court. They have been calling my entire family looking for me which is crossing the line, they have my number and email. Obviously the representative lied because I wouldnt be getting threats After I spoke with them in XXXX. They told me they would put my account on a hold so I wouldnt get charged interest fees but they lied.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX XXXX XXXX XXXX was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are XXXX hard inquries i teqieated to be removed or send me a copy of a signed application for each. 
A photo pf both issues attached.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 USC 1681.

has violated my rights. Or a list of inquiries : 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 inaccurate.
Consumer complaint received 2024-01-24
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. (DC)

Dear FTC, Subject : Report of Unauthorized Hard Inquiries on Credit Reports I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries are as follows : Name Requested On Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax EQUIFAX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax EQUIFAX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax EQUIFAX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these inquiries have been made without my authorization and are adversely affecting my credit report. I request your assistance in investigating this matter and taking appropriate actions to address this violation. 
Thank you for your attention to this matter.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have looked back at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the credit relates. After this conpany stated that my investigation had been completed as of XXXX XXXX. 
I sent a letter asking them to reinvestigate these accounts listed below, because XXXX XXXX Sold to XXXX open date is not reporting correctly, date last active, date last payment is not correct, this account is not accurate. 
After my investigation had been completed, I took a deeper look into the report to ensure it accuracy due to the identity theft, that I have experience within the last three years. It is becoming tiresome needless to say. I have been in XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX Address on Account is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX  as well as Bank Account used for previous payments of this loan was opened fraudulently and has since been closed. XXXX XXXX XXXX Acct : XXXX Date of Last payment according to Company 's report is reporting incorrectly as it states XX/XX/XXXX and is being report to All bureaus as XX/XX/XXXX. all of this information is incorrect. 

Transunion : XXXX XXXXXXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Date Last XXXX XXXX : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last ActiveXXXX XXXXXXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/XXXX is XXXX I got the investigation back, but noticed nothing was modified or updated. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 Please look into this matter.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer
Consumer complaint received 2024-03-30
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. (GA)

On XX/XX/2024 I pulled my credit report and found that alot of fraudulent accounts were on there so on XX/XX/2024 I filed a police report about the claim.. I disputed it with all XXXX credit bureaus but haven't heard back from them...
Consumer complaint received 2023-12-27
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. (NY)

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 USC 1681. 

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 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 inaccurate.