davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I put in a dispute with TransUnion on XXXX/XXXX/2016 for a collection on my credit report that is not mine. I called around to XXXX different hospitals and also XXXX and no one could give me a direct answer for what this charge was for. I then had them resubmit the dispute for the same reason. When I called over a year ago ( the first time ) for this dispute I was told it was for a XXXX, I have never had one of those and told them that last time. I am getting nowhere with this and it is not fair that it is hurting my credit score.
Consumer complaint received 2023-07-31
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. (OK)

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

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.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 conviction 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 know or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-07-31
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Rent Recovery Solutions (GA)

I was a victim of identity theft and over the past 2 years have been trying to get my credit back to being mine and not that of the person who stole it. I have over the past 2+ years submitted a police report to the credit agencies and those account holders only to have things still showing on my credit report that do not belong to me. I have been victimized for far too long and I do n't feel it is fair for me to have to pay an Attorney when I have done everything I can to get those items that are not mine off of my report. This has terribly affected my credit and I have lost so much and been inconvenienced so much because of this and I am tired of begging to have my life and credit back.
Consumer complaint received 2023-07-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (CA)

I booked an apartment using XXXX. Some amenities were advertised, and they were offered. Upon my arrival, the amenity was not provided, and I discussed it with the Apartment Manager ; after a lengthy discussion, I returned to XXXX. The first XXXX mentioned they would talk to the listing party and they would refund. I provided all documentation related to my calls and chat with XXXX. Upon multiple follow-ups with the Citi MasterCard team , I was asked to pay for a service I didn't even avail of. Citi MasterCard never reached out to XXXX  They just sent me the merchant 's paperwork, where the merchant had changed their listing minus the amenity offered. This is not the only incident. On XX/XX/XXXX, I filed another dispute for a canceled hotel booking within the cancellation period. In this case, too, I felt that the Citi MasterCard team didn't follow the protocol, and they resolved in favor of the merchant, lucky I was able to talk to XXXX XXXX, and they were kind enough to refund {$8200.00}. I want a refund from the Citi Master Card team for my XXXX fees of {$3800.00} I have more document but I can not attach as there's limit of 10MB.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 25 times a charge off on one account. How can any single account be charged off 25 times? A negative remark in XX/XX/2019 and two 120 days late back to back. The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score.
Consumer complaint received 2023-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (VA)

I have been making my payments on time and also paying extra money towards my bill. But seems like I'm not getting anywhere with the bill. It's like the bill is steading going up and not down. If anyone is considering CareCredit, I would tell them to really think about it because you will be paying them forever.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (IL)

Credit report shows listing of improper address with my report, called to dispute and that was handled I believe reasonably well but then I asked if I myself could report to the credit company myself information about a loan that XXXX does not report themselves? 
I was told NO by experian and that I could NOT do that I should call the company. I have called the company and they REFUSED to report my good credit on that loan! Now here is the complaint that same company will be the first to report a negative default on that loan, but it is in good standing and current so they REFUSE to report it in that status!!!! If they only report the bad then my credit file can only be BAD! And I was told I can NOT even report the " GOOD '' myself!!!! HOW CAN ANYONE SEE A FAIRNESS WITH THIS????? Goes the same for utility bills, rental history, or any other type of credit history! They use this as a leveraging tool! I was told in the past by some companies that it is a way for them to make sure I pay my bills, and if you do NOT pay your bill, we will destroy your credit and you wo n't get credit from anyone else either!!!! My position on this is that this is extortion plain and simple! They only report what they want to report and paint a very deceptive picture about me or anyone else and it should be against the LAW to have that control and power of manipulation over anyone!
Consumer complaint received 2023-07-29
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. (SC)

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.

The letters are stated with items and issues.

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 2023-07-29
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. (NY)

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.

The letters are stated with items and issues.

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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (TX)

I received an email from credit karma recommending I apply for a XXXX XXXX XXXX  account. The email stated that I had outstanding odds of acquiring an account. I'm all for building up my credit but when I went to apply for it XX/XX/2022, I was denied. The email that was sent out to me from credit karma was dated for XX/XX/2022.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account ( s ) I disputed. 
Being that they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly Delete ALL information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
Thank You.
Consumer complaint received 2023-07-29
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. (AR)

I am filing this CFPB complaint to report that my credit has been unlawfully used and that unfair practices are being conducted by XXXX, XXXX, and Equifax. Not only have they added items to my credit without my written consent, but they also do not have the correct addresses on file. Specifically, I have noticed the following erroneous accounts on my credit report : Account # XXXX Balance = {$2100.00} Account # XXXX Balance = {$2000.00} Account # XXXX Balance = {$1000.00} Account # XXXX Balance = {$340.00} Account # XXXX Balance = {$1100.00} I urge an immediate investigation into these matters to safeguard consumers rights and ensure fair credit reporting practices.
Consumer complaint received 2023-07-29
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. (GA)

EQUIFAX is mandated by the FCRA to report accurate accounting. Consumer advised that two accounts reporting were fraud. Equifax had four days according to federal law to remove those items in which they did after FTC report was filed, but they did not notify consumer of investigation results. They deleted the confirmation number used to identify the dispute which is suppose to remain on record within the portal. The items were investigated deleted and blocked on XX/XX/XXXX. Another dispute was initiated for separate accounts and EQUIFAX mistakenly placed the previously deleted items back on the report with no explanation as to why. Since then consumer has not been able to view updated report, security freeze and fraud alert status nor credit score although the free membership that Equifax offers as well as the FCRA and consumer being affected by XXXX Equifax Data Breech guarantees the viewing of this information. Consumer was told it was just a glitch in the system for 7 months this has been going on. Consumer sent several letters requesting EQUIFAX to provide the documentation used to determine the accuracy of those two account and authorization of the accounts made by consumer. EQUIFAX had 15 days to provide the consumer with the name of the person spoken to, documentation used, signed application with consumer and wet ink signature. Last representative told consumer EQUIFAX can not remove disputed auto loans based off of an FTC report, which is another violation of federal law. Consumer clearly stated in letters that they are not asking for an E-OSCAR report. They specifically informed EQUIFAX that do not consent to E-OSCAR NOR ADVS FORMS OF ELECTRONIC VERIFICATION AND REQUEST EQUIFAX TO COMPLETE THEIR OWN INDEPENDENT INVESTIGATION AS ALLOWED BY LAW FOR CONSUMER TO REQUEST. EQUIFAX has falsely placed inaccurate, false and fraudulent information back onto consumers report with out any documentary proof to show consumers ownership of those two accounts. Because of this EQUIFAX is obligated by law to remove it immediately. EQUIFAX is liable under the SEC to follow certain rules and regulations. EQUIFAX Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NoRth Carolina XXXX. Consumer will be filing form 211 treasury OMB forms to auDit consumers account. EQUIFAX is securitizing my data yet refuses to provide consumer with a copy of their CONSUMER FILE DISCLOSURE UPDATED NOT CONSUMER REPORT.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (TN)

XX/XX/2016 I purchased XXXX items from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) with my VISA credit card. When I was billed a charge of {$1000.00} was added to the XXXX charges of {$100.00} & {$25.00}. I phoned the company which then apologized ; the young man who charged me was fired. However, XXXX continues to charge me the {$1000.00} despite my phoned calls explaining what happened. Their letter of XX/XX/XXXX threatens to report me to the XXXX consumer reporting agencies unless I pay t he {$1000.00}.
Consumer complaint received 2023-07-29
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-29
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. (FL)

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 2023-07-29
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)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-07-29
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-04
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors reported as collection accounts. These companies are XXXX, Capital One Bank, XXXX, and XXXX. I am asking for these companies to remove those accounts because they are incorrect.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2023-07-29
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. (FL)

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 XXXX XXXX XXXX. 

The letters are stated with items and issues. 

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.