davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (MO)

I am writing to express my deep concern and frustration regarding the repeated unsuccessful attempts to remove a charge-off account from my credit report. Despite my persistent efforts to address this issue, the charge-off entry remains unjustly impacting my creditworthiness and financial standing. 

I have made multiple attempts to dispute and remove the charge-off account from my credit report. Each time, I have provided extensive documentation and evidence to demonstrate that the charge-off status is inaccurate and should be rectified immediately. However, to my disappointment, my efforts have been met with continuous denials and refusals to remove the charge-off entry. 

The presence of this inaccurate charge-off account has had detrimental effects on my financial well-being. It has unfairly tarnished my credit history, making it difficult to obtain credit, secure loans, and access financial services. Furthermore, it has caused significant stress and frustration as I continue to navigate through the dispute process without resolution. 

I urge your agency to take immediate action to address this matter. Specifically, I request that : The charge-off account be thoroughly reviewed and promptly removed from my credit report. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact time frame of the receipt of this letter. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove this accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately.
Consumer complaint received 2023-04-10
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00}
Consumer complaint received 2022-05-02
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)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  xxxxxxxx XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA 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
Consumer complaint received 2022-01-19
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. (NY)

There is a paid charge off under the name XXXX XXXX XXXX account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04
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. (NV)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

On XX/XX/XXXX I applied for a personal loan, I filled out, what looked like a normal application with XXXX. After submitting the application I received an email stating I was approved but needed a co-signer. I immediately responded stating I did not have a co-signer and to terminate my application. On XX/XX/XXXX I received a {$5.00} charge to my bank account from XXXX. I immediately contacted stating this charge was not approved as I did not have an account with them and had previously requested my application be terminated. I requested this charge be refunded, through all correspondence with XXXX I receive the same generic email with no outcome of a resolution. 

Today, XX/XX/XXXX XXXX shows up in my credit report with a balance of {$220.00}. Yet again I immediately contact XXXX, I call the phone number and it only allows you to leave a message and states no call backs will be done but an email will be sent instead. Yet again no matter what reply I send I am answered with the same generic email.
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

XXXXXXXX XXXX online payment for {$370.00} sent XX/XX/29 to Ally Financial, transaction code - XXXX to be applied to account. Payment should have posted XXXX. Getting late notifications. I have called almost every day with no resolution. I have also faxed Ally a copy of bank statement showing payment deduction. The response is always sorry and someone will call me back. No one ever calls and payment continues to show pass due. They say payment has been misapplied but no one seems to really follow through. I would like payment properly applied to account with late fee and additional interest charges reversed.
Consumer complaint received 2022-05-02
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. (CA)

In accordance with the Fair Credit Reporting acXXXX 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 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions also have inquiries that do not belong to me. 

Experian XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-01-19
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: SYNCHRONY FINANCIAL (NY)

There is a paid charge off under the name SYNCB/AMER EAGLE under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at American Eagle! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (IL)

An account that has already been previously disputed under identity theft, is re-appearing as a collection on my consumer report. I did not know that after being resolved, my life could be put on hold again at the cost of identity theft that has been reported over and over. I can not believe this company is going above and beyond to ruin my life, and that my identity is still not being protected.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (MI)

I did not get full disclosure of contract from from third party service. I did not commit to a contract not did I receive any notice about the reporting of my information. I did not authorize my information be released or to be reported to Credit Bureau. This has damaged my credit and score.
Consumer complaint received 2022-01-19
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. (NY)

I reached out to XXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across 3 bureaus XXXX, Equifax and XXXX. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit grantor 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.
Consumer complaint received 2024-03-04
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 perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # : 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
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

I made a payment ( ACH ) last Thursday XX/XX/XXXX XXXX {$4000.00} ( entire balance ). My statement due date for payment is XX/XX/XXXX. Today I attempted to use my card for {$270.00} at the doctor office and was declined due to over spend limit. My credit limit is {$5000.00} but only have {$130.00} available. 

When I inquired why my payment hadnt posted I was told there is a hold placed on my payment until XX/XX/XXXX. Ive been a cardholder for over a year and no issues or late payments- there was an issue at XXXX last month when I payed my statement balance in full on XX/XX/XXXX but I corrected issue and paid in full on XXXX.
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (GA)

Upon reviewing my account my credit report has inquires that I do not recognize and that I did not authorized. on XX/XX/XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX on XX/XX/XXXX  These company are under violations of my rights in section 1681 and I would like these inquiry to be removed from my credit report immediately.
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (FL)

XXXX dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute XXXX  ore equifax all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX Account # 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
Consumer complaint received 2020-12-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I submitted a formal written request to all XXXX credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by XX/XX/XXXX and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.
Consumer complaint received 2018-03-10
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. (FL)

Upon reviewing my Experian account it looks as if I have 3 inquires that DO NOT belong to me on my account. I called Experian on XX/XX/XXXX and was verbally abused by Experian representative XXXX with XXXX XXXX. Complaint made with supervisor. I mailed Multiple Inquiry removal letters via certified mail in XXXX and also provided evidence that my data was impacted by the breaches through XXXX, XXXX and Hurricane Irma. I have been trying to build my credit, not apply for things over and over again. The letters go without proper investigation required by law as " we are unable to investigate inquiries and they will remain for two years from the date of inquiry. '' They would sign for the letter on a certain day and the response would be mailed to me in less than XXXX hours. I have asked for evidence that these inquiries belong to me. I am refused that request by stating " If you believe this was unauthorized, please contact the creditor. '' I would like for the below inquires to be deleted. XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX Bank XX/XX/XXXX. According to the FCRA Rules, FCRA XXXX ( b ) ( XXXX ) and XXXX ( a ) ( XXXX ), it states that any information can be disputed and MUST be investigated and if you do not investigate or respond accordingly, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letters, one can assume that there was no investigation into the matter. I plan to purchase a home next year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that do not belong to me, I did not sign for any credit pulls. This is unfair practices by a credit reporting agency with no regard for the emotional distress or consequences this causes the individual.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX Account # 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
Consumer complaint received 2019-08-31
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. (IN)

I am getting the run around, from my vehicle finance company and the 3 credit  bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with Transunion ( XXXX-19 ) I have not been able to reach XXXX. They are unavailable over the weekends
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Credit Cards, This company says they help you with building your credit but they do not work with you to pay your bill, instead they hurry up and send your information to the credit bureau to damage your report.2013 they changed their name and relocated still attempting to charge fees.