davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

My Experian credit report ceased updating online when I requested for old mailing addresses to be deleted, except my current address. But they deleted my current address too. Without any addresses associated with my credit report, the information will not update past XX/XX/2020 on their Experian website, which is the last date there was an actual mailing address associated with my credit report. I have tried over and over again to call and get the problem fixed, and even uploaded address verification documents several times, but with each phone call and dispute initiated, my credit report still remains missing the mailing address. Their representatives tell me that they added my address and then send my dispute resolutions. When I get the updated dispute, it still shows no mailing address associated with my credit report, which is what is causing my score to not update on their website. I have explained to Experian representatives several times that I have reported this same issue several times for over a year with still no resolution.
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NV)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX XXXX to potentially restructure my loan. I gave them my SSN and ID so they could run my credit as per usual when going to the dealership. After hours of negotiating I declined all their offers. About 2 weeks after the matter, I was notified on my chase app about a new credit line on my name ( XX/XX/XXXX ). I checked and it said it was opened on the day i went to the dealership, XX/XX/XXXX. I never conseted or was even asked about signing up for a credit card. I wouldve never signed up even if they asked. I tried calling the dealership multiple times, asked to speak to the XXXX and I keep being evaded. I never consented or ever authorized to have this XXXXXXXX XXXX credit card, which I havent even recieved or activated but has negatively impacted my credit score and now I have a new credit line.
Consumer complaint received 2021-10-21
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. (TN)

I recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that Equifax has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave Equifax my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to Equifax. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern Equifax and the rest of the consumer reporting agencies. I know that Equifax is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone keeps trying to use my identity to apply for a credit card. I keep getting emails from Bank of America stating that I have been denied for a credit card but I have not applied for a credit card.
Consumer complaint received 2020-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am highly disappointed in the experience I have had with Experian. Not only am I disappointed in how I have been treated as an consumer but the customer service has been disheartening. I have mailed my dispute to Experian via certified mail. With certified mail someone has to sign for it with date included. I received a receipt back dated XX/XX/2020 and SIGNED with a stamp. Which I have attached a photo of. I had called weeks prior to verify if the information was received I was notified it could take up to 10 business days to be received. I then waited longer to to verify the receipt of this information. When I called which to speak to someone can be very tedious ; I was hung up on not once not twice but well over 10X. Each time I called I requested a supervisor which was not only refused on serval occasions in addition to not one individual I had spoken to could verify that my information was even received. Despite that fact that I have PROOF it was not only received but signed for. Each time I was put on hold for several minutes and advised I could speak to someone in leadership call miraculously drops! I have still yet to have not only my documentation found but the disputes opened. I prefer to write letters to the credit bureaus and I am requesting to take this above the bureau. Since I have no luck in getting this resolved with the bureau. This is not how to treat consumers if so, Experian should be have complete new staff. Seeing Americans rely on credit to sustain life and if things are not correct on your report to be removed and/or investigated.
Consumer complaint received 2020-12-29
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)

I checked my credit and i notice a car loan from XXXX XXXX XXXX. I immediately contact them, and told them i did not purchase any vehicle nor am i aware of taking a loan from there company. After i went to the police station and made a police report. I never gave permission nor sign any documents with XXXX XXXX XXXX. This is Fraud and want this taking off my credit report. thank you.
Consumer complaint received 2020-12-29
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 (FL)

I received a refund from XXXX XXXX for my stay at their hotel. Discover found in my favor, then reversed. I sent a copy of the Refund ticket to Discover, see attached, Discover still continues to bill my account.
Consumer complaint received 2021-10-22
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: DISCOVER BANK (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (AL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-22
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: Early Warning Services, LLC (CA)

when i tried to apply for a loan that i can pay off my debts off my credit report its reporting to them my personal information where no one has the right or my consent to share information its stopping me for opening up a business checking account that im afraid if it keeps on happening im going to close down my business due to i cant open a business checking account or help to build up or fix my credit if it money they want how they going to get there money i owe them if they stopping me from it and i dont who is doing this
Consumer complaint received 2020-12-29
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. (NV)

I am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ... 
I have properly notified XXXX, XXXX  and Equifax regarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any information ...
Consumer complaint received 2020-12-29
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. (NV)

I am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ... 
I have properly notified XX/XX/XXXX, TransUnion and XX/XX/XXXXregarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any information ...
Consumer complaint received 2021-10-21
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. (MA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MA XXXX XX/XX/2021 Dear Experian, RE : REQUEST FOR INDEPENDENT INVESTIGATION and/or REMOVAL Remove the following accuracies found on my credit report : Remove ACCEPTANCE NOW a.k.a. ACCEPTANCENOW, Account XXXX as I have never been sent proper validation as required by law after several requests within my rights. 
On numerous occasions I have requested : The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 
Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 
I have lost XXXX business deals worth XXXX figures and have not been able to get a vehicle to transport my children and to run my business. 
Experian, your defamation when representing me to creditors is hurting me and costing me money which I am researching how to legally recoup. 
I have NEVER RECEIVED ANY PROOF OF VALIDATION FOR THIS DEBT WHICH I HAVE REQUESTED MULTIPLES TIMES XXXX 2021 AND HAVE DOCUMENTED WITH THE CFPB, FTC XXXX XXXX OF MA. 
Experian you are violating Section XXXX ( a ) ( XXXX ) and Section XXXX ( XXXX ) of the Fair Credit Reporting Act | Duties of Furnishers of Information ( XXXX XXXX XXXX ). 
NO E-OSCAR VALIDATION/INVESTIGATION ACCEPTABLE. 
How can you verify inaccurate information and without any proof? 
Please send me a new report, XXXX XXXX
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (TN)

Collector : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$950.00} Collector : XXXX & XXXX Account Number : XXXX Balance : {$220.00} Collector : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$3900.00} and {$6100.00} This is a formal complaint against the three credit bureaus ( Equifax, XXXX, and XXXX ). I'm on my fourth dispute letter and I have not received any updates or changes to my credit report. I have pulled my credit report again today and all I see on these accounts I have mentioned above are inconsistent and incorrect information being reported such as the date of last activity reporting on different months which is troubling to me. There can't be three separate payments made on a single account for sure.. It's either the account is verified through multiple sources or creditors which is impossible and not acceptable or the bureaus did not do their job of conducting a reasonable investigation and reaching out to the original creditors of the account to validate the reporting. 

I have attached copies of the letters I have sent to the credit bureaus and collectors as your reference.
Consumer complaint received 2021-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2019-09-23
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-11-14
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR 2007 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX. THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. 

PLEASE NOTE THIS IS NOT A DUPLICATE 1098,
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I allegedly have a medical debt in collections, and I spoke with multiple people about verifying its authenticity, and I wanted more proof that it is in fact my debt. I asked them to send me proof that its my debt, like my name on a contract, signature of me acknowledging the debt and things of similar nature sent to me. The first time, they didnt send anything. The second time, they sent me a single piece of paper, a collection notice that I owe them money. They said thats the proof I asked for. I said I wanted proof that I acknowledge the debt, name on contract, bills with my name on it and things like that. Not something they printed off their computer saying I owe them something. Thats not what I asked for, so I told them if they cant send me the related documents I asked for and cant prove its legally mine then to stop trying to collect it and stop calling. They still keep calling, and they even started calling my work.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

Around XXXX XX/XX/XXXX my wife and I attempted to acquire a conventional home loan of {$110000.00}, through my bank, for a house we had found that was for sale. We had gotten the preapproval through my bank and had begun all the necessary steps in signing the loan contract. We had submitted all the necessary paperwork to get our credit score checked and we were told that our credit score was fine with what we were going for. Nothing seemed to be an issue until it came the week of signing the contract, around XXXX XX/XX/XXXX. My bank insisted on some work to be done on the house, some rotted wood that needed to be fixed. The seller had already notified all parties that they were NOT going to do any work on the house and it was selling " as is '', which my wife and I accepted and had planned for. My wife and the relator we had been working with had noticed a few oddities during the loan approval notice. My bank had required a letter from us explaining that my wife is my wife and that my bank was being odd for wanting this little bit fixed on the house. Even the bank employees we had been working with seemed to notice some odd behavior by the bank.
Consumer complaint received 2022-11-14
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. (NC)

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 Original creditor : XXXX XXXX XXXX amount for {$520.00} XXXX  XXXX Original creditor : XXXX XXXX XXXX for {$75.00} XXXX XXXX XXXX- the amount of {$50.00} XXXX XXXX XXXX  the amount of {$1800.00} 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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.