davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

HI 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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following inquiries 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 inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent over the official FTC report for identity theft to XXXX, they didnt delete the information, I will send the official FTC report of identity theft in this document. I also will include valid identification documents my social security card and a utility bill with my name and address on it. Once they get this information they need to immediately delete and stop reporting this information. I will also include the reference number to FTC report so they can look into this as confirmation that its the official document.
Consumer complaint received 2024-02-06
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. (KS)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

My vehicle was voluntarily repossessed through the SCRA ACT and after everything appeared finalized, I feel cheated via the waiver. The outstanding balance is still showing on my credit despite its repossession. When I saw the form that I signed with the SCRA ACT WAIVER on it, I feel cheated because I do not feel like I got a fair shake on the deal to begin with. The interest rate was the biggest problem for me especially in the stubborn negotiation process. How could they offer a waiver to a law that was not presented or offered in the beginning. Personally, I feel like I was swindled and stuck with the bill after reading the SCRA ACT WAIVER that was labeled on the release form in bold. The release form HIGHLIGHTED benefits that appears to have been available at the jump. These benefits included PROTECTIONS for me at the time of my purchase. I am looking for a remedy to the situation because of the stubborn negotiation around the interest rate, the failure to provide the protections after me telling them I was a service member at the time of purchase, and for swindling a waiver out of me of protections Guaranteed to me at the time by law and leaving me with the bill.
Consumer complaint received 2023-08-14
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: CITIBANK, N.A. (TN)

On XX/XX/2023, I filed a complaint against XXXX XXXX, for not giving me the refund of {$440.00} as promised. This was on my Citi Rewards Credit Card. The Disputes Department failed to send me the letter for additional information and, subsequently, closed the dispute out on XX/XX/XXXX in XXXX 's favor and put the charges back on my card. 
I called CitiBank, who said the notices were sent electronically under my account. I explained I wasn't aware of this and the dispute was reopened. 
I sent supporting documentation ( attached here for your review ). CitiBank has once again failed to give me a conditional credit and again closed the dispute. According to a representative I spoke to, the notices on my account were generated automatically but the dispute had not been closed out and my response has been sent to XXXX XXXX, who has 45 days to respond. I was advised the conditional credit would be put on again, but this has not been done and payments are still being taken out.
Consumer complaint received 2024-02-06
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. (OR)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-10
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: CBC Companies, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights! 
Under Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose. 
Please update the following accounts as Paid, Never Late. 
XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (TN)

My husband and I both have some XXXX XXXX XXXX. We have both actively been dealing with them with several XXXX working together for years. However, my husband lost his job. This has happened twice. Our credit gets to the place it is ok. We get several cc offers and then because of his XXXX XXXX XXXX we cant pay them back. I knew better this time but at the time I was scared and needed to pay the bills. I know differently now and havent even tried for a payday loan in a while. I started off with 3 cc companies and made agreements with them all. But when unexpectedly after almost 3 years I couldnt pay the original agreed upon amount but was willing to still try to find some acceptable yet affordable payment, only one wasnt ugly and horrible to me.
Consumer complaint received 2024-02-06
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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-02-25
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. (GA)

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. Equifax shows 23 months of good payment history and XXXX shows 18. Please delete or removed all late payments. Account name : XXXX XXXX XXXX Account number : XXXX Date opened XX/XX/2013
Consumer complaint received 2024-02-06
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX XXXX : {$590.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$450.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX : {$1600.00} XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance {$450.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i was looking over my credit report a couple of weeks ago and noticed accounts on it that were not mine. There also isn't anyone other than myself who has authorized access to my credit report. I am not sure how this could have happened, but I am asking to please have these accounts re investigated. I am in a position now that i can not acquire new credit and it is completely unfair. Please remove these fraudulent accounts.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint concerning the charge-off entry on my credit report. Despite my repeated efforts to rectify this matter, the charge-off continues to adversely impact my financial standing. 

I have previously disputed this charge-off through your bureau and provided documentation supporting its inaccuracy. Despite this, the charge-off remains on my credit report. 
Requested Resolution : I request an immediate and thorough investigation into this matter to validate the accuracy of the charge-off entry. If found to be inaccurate, I request its prompt removal from my credit report. 

I also request a written confirmation once the charge-off has been corrected, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the specified timeframe and provide a designated contact person for further communication. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have had three cards from capital one a Walmart rewards card with a {$1300.00} limit, a capital one venture card with a {$7000.00} limit, and even my Kohls card because capital one merged with them with a {$5000.00} limit all closed or restricted without warning or explanation. The letter I received said because they observed activity on my account that is not consistent with their expectations of usage for personal family or household purposes. Please stop using this account immediately and destroy all cards and checks associated with it. And at the bottom, it says equal credit, opportunity act. that was for my Kohls card the letters for my Walmart rewards and my venture just literally stated equal credit opportunity act thats it. oh not to mention, Ive never missed a payment. I had to returned payments because I paid them early.
Consumer complaint received 2022-09-03
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized late payments on accounts my student loans have been deferred since COVID19 began and the moratorium doesnt end until XX/XX/2022 on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I saw two money transfer charges, and one transfer fee charge, on my Citi card. They originated in XXXX, TX. I live in XXXX, TX. I never carry this card on my person. I keep it locked in my office, and used it for my husband 's caregiver charges. The charges are definitely NOT what I would do. I repeatedly asked Citi to take the charge off my account. After a month of " investigating '', they refused to take the charges off the account. I have referred the matter to the Attorney General in Texas, and now I'm referring it to your Bureau, also.
Consumer complaint received 2023-08-11
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: SANTANDER HOLDINGS USA, INC. (FL)

THERE HAVE BEEN SEVERAL CONSUMER REPORTING AGENCIES THAT HAVE STOLEN MY IDENTITY. Under the federally protected consumer act, this is illegal and needs to be stopped immediately.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 2017-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (AL)

I attempted to make a payment onlver the phone with my debit card in the amount of {$540.00}, but the agents stated that there was an issue with my CVV code. I called my bank only to confirm there was no such attempt at an authorization. I calle d BPL back and att entpted again to process a payment and was told the same thing as before. I eventually settle to have the payment ACHed from my account for {$560.00} for  two  days later.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have had a few inquiries in the past couple of days on my credit report. I have not applied for any credit cards recently. I have placed a freeze with every credit bureau in hopes that this does not continue to happen. I see the following inquiries : XXXX XX/XX/ I XXXX  this one and it says it was a XXXX XXXXXXXX  card I never shop at XXXX XXXX and have zero use for a official XXXX XXXX store credit card. 
-I am unable to find a number that will get me to an agent to dispute this one XXXX XX/XX/ I XXXX this and it says some sort of point rewards card. 
I have no use for that and did not apply for this. 
-No phone number associated with this inquiry Kohls/CapOne I XXXX this and it says Kohls charge card XXXX have never shopped at Kohls and do not plan to I have no use for a charge card there and have never applied for one. 
-I have not called them just yet. 

I have worked very hard to keep my credit scores strong. I would never apply for random credit or three cards in one week. Please review and remove these items from my credit report. Thank you!
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX