davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently pulled. copy of my report and noticed several inaccurate and erroneous items being reported. It caused me to do some additional digging and I noticed my information has been compromised in the XXXX  data breach. Now more than ever I believe my information has got into the wrong hands. I have sent several messages to each bureau with no response. I also saw it is illegal to report inaccurate items per 15 usc 1692. Please assist in prompt removal
Consumer complaint received 2023-05-06
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: GOLDMAN SACHS BANK USA (CA)

My complaint is against Apple Credit Card/ Goldman Sachs XXXX I was checking my credit report and found an fraudulent account from Apple Credit Card.I immediately opened a dispute with credit bureaus and sent in FTC report then in-called the creditor to report account as fraud. They only could find my account with my social security number and date of birth and address and other information were incorrect so i asked to do investigation.I also sent them copy of FTC report and checked by tracking number and they received it.The account with the balance around XXXX $ is still on my credit report affecting my credit. It lowered my credit score to XXXX which resulted other banks lowering or closing my existing credit cards.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/year> my Capital One Savor One credit card was charged by XXXXXXXX XXXX XXXX for {$1400.00}. I was dissatisfied with the XXXX product and returned it to XXXXXXXX XXXX XXXX via merchant provided return shipment, aligning with their 30-day free return policy. However, to this date ( XX/XX/year> ), I have been unable to get a refund from XXXX despite the completed return. On XX/XX/year>, I asked Capital One to step in to help and they sent me a form to fill with additional information. I filled the form and returned it to Capital One both via Fax and USPS ( odd that they do not offer online upload or email option, but guess for some reason it has to be done the hard way with Capital One ). On XX/XX/XXXX, Capital One acknowledged that they have received the documentation but that it does not have information needed to assist with the claim, which is odd because I answered each and every question on the form presented by Capital One. As a result, I am still being charged for a product that I have returned and that should have been refunded, but Capital One is unwilling to step in and help with the transaction. Hoping that this CFPB complaint would help to reach someone that can actually take a look at this and assist. For reference, the case number at Capital One should be XXXX.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Westlake Services, LLC (MO)

I have been informed that this loan that I disputed was claimed accurate by this lender. The loan was opened in XX/XX/XXXX. XX/XX/XXXX the person who opened the loan up in my name made XXXX on time payment then was late from XX/XX/XXXX up until this date today. XXXX XXXX I went from living in XXXX XXXX Florida XXXX XXXX XXXX XXXX Nevada XXXX I have public records that are available to prove that. I have been trying to report this for some time and for some reason I cant get it off my report. I have called them to dispute the item and every time they say they are going to direct me to someone to help the call ends.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have hard inquiries from XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX I have reached out to all companies closed accounts and sent information to all 3 credit bureaus they refused to remove false information which is destroying my livelihood, I also have placed fraud protection on my report and they refused to help
Consumer complaint received 2021-10-02
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. (MD)

I have a XXXX/XXXX XXXX  account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for XXXX and Experian and the last month it reported that was XX/XX/XXXX. I just updated my smart credit and for XXXX its reporting 30 1, 60 1, 90 37, for XXXX and its reporting 30 1, 60 1, 90 3, for Experian! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for Experian and 30 1, 60 1, 90 38, for XXXX. How did it go from XXXX 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-19
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. (LA)

In accordance with the FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( XXXX ) XXXX
Consumer complaint received 2024-02-22
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. (AR)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted an identify theft report to equifax about some inquiries that are on my credit report and they have failed to validate who the spoke to during theyre investigation saying that those inquirs are factual according to the FCRA these inquires must be removed if stated as FRAUD
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( XXXX ) XXXX
Consumer complaint received 2023-03-03
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: CL Holdings LLC (FL)

These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector Amsher Collection Service, The XXXX debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap
Consumer complaint received 2018-12-04
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. (MI)

I sent the 3 credit reporting agencies ( XXXX, Equifax XXXX ) 4 letters disputing the items below on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I want to see Verifiable Proof ( an original Consumer Contract with my  Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  and Equifax has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.
Consumer complaint received 2024-01-02
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)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/XXXX and XXXX XXXX  I visited an atm to withdraw XXXX and the machine did not disburse the money but the amount was taken off of my card. I contacted the card and they told me that I would have to wait 45 days for it to go through a dispute process. I asked for a provisional credit and they refused. I have nothing to my name and they keep giving me the run around. I contacted the atm provider and they stated they needed a regulation e form from the bank and will refund me the money. They have yet to send the form. I need help please.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, XXXX, the State California Board of Equalization filed a lien for unpaid sales tax in the amount of {$4000.00} Account No : XXXX ( file no. Doc no. XXXX ). This account is a business sales tax from the business that my partner and I no longer own, aka my husband/business partner, Equifax continue to report the business Public record in our personal credit report despite of my several attempts to dispute the account/public record in question. I 'm unable to refinance my vehicle due to my credit score continue to drop. The lien has been deleted from XXXX and XXXX in XXXX, except for Equifax.
Consumer complaint received 2020-07-09
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. (TN)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.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 — Account status incorrect
Company: EQUIFAX, INC. (SC)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX of 2016 I did not receive a bill to my new address I was living at, which resulted in a late payment and is showing up on my credit report. All other payments were made 100 % on time for 4 years after that occasion. I am asking that you please remove these late payments from my credit report. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2024-02-22
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

At the end of year XXXX I did summit a dispute to reinvestigate with the XXXX credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the XXXX credit bureaus, for example on XX/XX/XXXX XXXX report XXXX XXXX, Equifax on XXXX and XXXX on time. Equifax report account on time on months XXXX, XXXX and XXXX when XXXX and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between XXXX credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2016-11-08
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballato Law Firm, P.C. (VA)

I had my house foreclosed on XX/XX/XXXX for {$78000.00} and sold for {$38000.00} which left a balance of XXXX. I recently received a letter from a debt collector for {$56000.00} with daily interest of {$7.00} on remaining balance which the letter was delivered XX/XX/XXXX.
Consumer complaint received 2024-02-22
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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 2024-01-02
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)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXXXXXX XXXX XXXX XXXXXXXX Account is reporting and I have no knowledge of the account. 

Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnishes.