davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (CT)

Hello, I am writing to dispute the negative items on my credit report. Specifically, I am disputing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these items are inaccurate and unfairly damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these items and request that they be removed from my credit report. 

I have never been XXXX  days late on my payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . In fact, I have always made my payments on time and have never missed a payment with any of these creditors. 

Furthermore, I have never had any dealings with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX. XXXX, XXXX. I have no knowledge of these accounts and believe they may be fraudulent or a result of identity theft. 

Regarding the charge-off account with XXXX XXXX, I have made several attempts to resolve this account with the original creditor but have not received any response. As per the FCRA, a charge-off account must be removed from my credit report after 7 years. The date of first delinquency on this account was more than 7 years ago, and therefore it should have been removed from my credit report. 

Additionally, I believe that the inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unauthorized. I did not authorize these inquiries and have no business dealings with these companies. 

In accordance with the FCRA, I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-06
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. (PA)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$3200.00} U S DEPT OF EDXXXX XXXX XXXX : {$9900.00} U S DEPT OF EDXXXX XXXX : {$6500.00} U S DEPT OF XXXX XXXX XXXX {$1400.00} U S DEPT OF XXXX XXXX : {$5400.00} U S DEPT OF XXXX XXXX : {$6500.00} U S DEPT OF XXXX XXXX : {$4700.00} U S DEPT OF XXXX XXXX : {$7100.00} U S DEPT OF XXXX XXXX XXXX {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-17
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: LEXISNEXIS (IL)

This is the several times I've complained about being a victim of identity theft. XXXX, XXXX, and LexisNexis must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018
Consumer complaint received 2023-02-28
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. (PA)

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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-13
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. (RI)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-13
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 submitted a letter to the 3 Credit Bureau on XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$180.00} ; XXXX XXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$93.00}.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I HAVE CONTACTED THE XXXX GEORGIA BANKRUPTCY COURT AND THEY HAVE INFORMED ME THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS OR XXXX. XXXX OR ANY OTHER DATA BASE COMPANY DOES NOT HAVE MY PERMISSION TO REPORT ANY INFORMATION ON MY BEHALF. PLEASE REMOVE THE FRAUDULENT ACCOUNTS THATS LISTED IN THIS REPORT
Consumer complaint received 2023-05-13
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. (IL)

on XXXX XXXX I contacted Equifax to request the removal of a comment listed on my XXXX XXXX credit card ( consumer dispute this account ) the rep stated she has had put in the request to remove comment. When I checked my Equifax report on XXXX XXXX my XXXX  XXXX credit card was not reporting at all when I spoke to Equifax XXXX XXXX ID # XXXX on XXXX XXXX he stated that the company/LENDER is the only one that could remove an account. after speaking to XXXX XXXX who states they did not request removal of my account and that the account is still being reported in good standing on other credit agency and still open that this is an error on Equifax side and to give them call to fix it. Equifax refuse to look into the matter of what happed to cause my open account that had been reporting for 4yr to just disappear the next day after request removal of a comment. how did this account get removed completly if not by the XXXX?
Consumer complaint received 2023-05-13
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)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (NY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I've been disputing fraud accounts on my credit report since XXXX 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2023-02-28
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: Bread Financial Holdings, Inc. (CO)

In accordance with the fair credit Reporting act XXXX Account with Comencitycapital/XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furniss an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any opens end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-05
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. (CA)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX account # XXXX ; XXXX/XXXX  account # XXXX ; XXXX XXXX  XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX & XXXX ; XXXX XXXX account # XXXX XXXX XXXX ; XXXX XXXX XXXX  account # XXXX & XXXX XXXX ; XXXX XXXX XXXXXXXX account # XXXX & XXXX ; XXXX XXXX account XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX & XXXX XXXX XXXX account # XXXX & XXXX ; XXXX account XXXX XXXX ; XXXX  XXXX  account # XXXX & XXXX has violated my Rights 15 U.S.C 1681 Section 602A States, I Have the Right to Privacy 15 U.S.C 1681 Section 604A Section 2 or 15 U.S.C 1681A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction ( s ) 15 U.S.C 1681b, permissible purposes of consumer reports, subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the folllowing circumstances and no other in accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1692C, communication in connection with debt collection without the prior consent of the consumer given directly to the debt collection or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

my ex co worker signed over his check to me. i deposited the check. it cleared and then they put a hold on my account. when i called capital one, they told me i needed to come in with my co. worker and present i.d .. well the closest capital one branch is 400 miles away. I informed them of the distance. Then i was told to go to one of their sister banks XXXX. i went to XXXX  and they told me they arent affiliated with capital one. so i called several times then finally a manager told me they cancelled my account. and it was pending an investigation. i keep calling and they never give me a release date and i can never speak to the person in charge if the investigation. It has been almost 2 years now and im still getting bank statements showing my balance of XXXX yet the account is supposed to be closed. i never recieved any phone calls regarding my money. i no longer at the employer and i have no clue where co. worker is. its been more than enough time to do their investigation. 2 years. i needed the money and i ended up losing my vehicle because i got behind on payments due to their negligence. Im also aware that capital one has a huge law suit against them already for the same problem.
Consumer complaint received 2023-05-13
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. (MS)

I have submitted several attempts to ask credit bureaus to fix a simple with an account with XXXX XXXX They continue to report this account late, and have shown late for several months. The account says payment not due until XXXX/XXXX/9999. I was under assumption I had until XXXX/XXXX/9999 to make payments. They havent told me or mail me anything stating anything different. Credit bureaus has ignored my response and continue to report this account inaccurate.
Consumer complaint received 2023-08-14
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2020-06-08
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (OH)

I was considering to close one of my accounts with American Express, so I made a call to customer service on XX/XX/XXXX. When the customer service representative was reading the disclosure before finally canceling the account, I suddenly lost connection to the call due to the poor network connection. I thought the process of account closure would not be completed, as they would need to finally ask for my approval after the disclosure. I also changed my mind, and decided to keep the account open until XXXX 2020 when the annual fee is due. 

However, I was very surprised to see my account closed on the next day, therefore I immediately called customer service. An agent and a supervisor named XXXX both advised that the account would be reinstated, and the supervisor offered XXXX rewards points as compensation for inconvenience. The supervisor also advised that she was working with other departments to try to get the card delivered to me as soon as possible. 

On XX/XX/XXXX, I realized that the account was not reinstated as promised, when I was trying to add the card to my online account via online chat. I then called customer service again, and was advised that the previous request for account reinstatement was declined due to my recent FICO score being around XXXX, which is not bad though. As such, I submitted an internal complaint to American Express, since there would not have been such a problem if they did not close the account without my final approval. 

I then called the department related to the specific card type, and was advised by a supervisor named XXXX that technically they would not be able to reinstate it at all, since this type of card is no longer open for applications. I then realized that the previous agent and supervisor gave me wrong information, which caused extreme confusion and frustration and should not happen. XXXX offered XXXX rewards points as compensation. I mentioned that last time the supervisor also offered the same, but I had not received it. XXXX responded that there was not such a note in the system, therefore they would not honor it. She also refused to acknoledge the existence of promise for compensation in my previous conversation with XXXX. 

In the end, they would not reinstate my account, which was closed due to their mistake, and refused to honor the compensation as promised. I have spent two hours in phone calls regarding this problem and got extremely frustrated, and also lost my account which has been open for three years.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX Equifax and XXXX is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (GA)

I'm having a problem with Equifax, XXXX, and XXXX. I found a mistake on my credit report and I submitted a disputes on XX/XX/2023 and XX/XX/2023. However, Equifax, XXXX, and XXXX hasn't fixed the issue within the 30-day period which is a requirement by the Fair Credit Reporting Act ( FCRA ). 

Also, Equifax, XXXX, and XXXX hasn't followed another rule under the FCRA. They kept using the information I disputed without showing it as 'disputed by the consumer ', which the law says they must do. 

On top of all that, Equifax, XXXX, and XXXX hasn't done its job of making sure the info on my credit report is as accurate as possible, something they're supposed to do according to the law ( 15 U.S. Code 1681e ( b ) ). This means the wrong info is still there, which is hurting my credit score and my financial opportunities.