davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
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. (NM)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2022-11-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

2 charges on card i did not make. closed the card. Was issued a new card they put the charges back on there and stated we dont remove until we contact merchant and they state they will refund. CITI ADAVANTAGE
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I have 3 years of impeccable credit history with multiple types of accounts and no late payments and have an income of over XXXX a year and was declined for " insufficient information '' on my credit report after applying for a Chase Sapphire Reserve. No documents or verification was requested, no contact from Chase to me about the application besides when I called to check the status. I asked for further clarification on what " information '' was lacking as my credit is essentially perfect, and was told that was the reason for decline, nothing further could be done, and no further information was available. The representative did not bother to review my application manually and even with my insistence that I have plenty of documentation to support my ability to pay including the fact that I run XXXX through credit cards monthly was ignored and dismissed. I had planned to apply for this card knowing it would do damage to my credit reports, yet was left with no options for reconsideration and no further information on " what is wrong '' except a blanket vague statement with no granularity. Being that the representative was so dismissive of me, and gave me no options although multiple sources say there are other avenues, I feel I may have been XXXX against for my XXXX as my voice has strong effeminate characteristics and the representative just seemed to ignore everything I said and just say the same thing over and over again, it felt dehumanizing. I am not just a number I am a person and I have done work for this process and to be left with being treated like garbage, feeling attacked for my identity, and with no resolve, makes me upset and aggravated.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I still have unauthorized information on my consumer report under 15 USC 1681 ( a ) 3 Equifax has assumed my role and DID not ask permission to put information on my consumer account. As also stated in the congressional finding 1681 ( a ) 4 the credit reporting agency did not exercise their GRAVE right and duty to be impartial, fair, and my right to privacy. Equifax purposefully kept information on my account after being instructed to lawfully remove it. Equifax has intentionally committed fraud by not removing information as instructed by me but also by the Office of the Attorney General State of Florida pertaining to the winning of the XXXX XXXX XXXX Multi State law suite This information should have been removed but still remains on my credit report.
Consumer complaint received 2021-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-06-04
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)

After finding the incorrect information on my credit report I contact the company SYNCB/car care XXXX XXXX and explain to them this was not my account I have no knowledge about what this account means they then explain that they understood and said that it was not me and that I needed to call the three credit bureaus and to report to them this information of an accurate nature then after calling them again they told me that they have found the problem and that it would be corrected and the error information would be taken off of my credit report this was not done. This began in XX/XX/2021 and now it is XX/XX/2021 after several or more attempt to rectify the problem they are holding me hostage with this miss information that is on my credit report. To look on my credit report will show that my credit is impeccable I never am a delinquent with my bills.
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc. (NJ)

After resolving many earlier fraudulent accounts that were opened under my identity, a new fraudulent account appeared on my credit report from the collections agency, Credit Management Control. This collections agency took over this account from the Original Creditor, XXXX XXXX XXXX  ( XXXX ). XXXX, XXXX, XX/XX/2022 at XXXX XXXX., I contacted Credit Management Control to file a dispute and spoke with their agent, XXXX. I informed her that I have been dealing with Identity Theft for the past months and let her know that I have lived in New Jersey all of my life and have no affiliation with Texas, which is the state the identity thief had opened this utility account under and prior utility accounts. Two addresses and a phone number were added under my credit report that are associated with this identity thief. Those addresses are XXXX XXXX XXXX, XXXX, Texas XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX. The phone number is ( XXXX ) XXXX, which is a number I have no association with.These are addresses and a phone number that need to be removed from my credit record. In addition, I have contacted XXXX to file a dispute about this collection since this credit bureau informed me about this collection by mail.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one tap ( see attached ) tried to bait me to apply. they denied it with a form letter with info not true as deliquencies on my credit, which I have none. 

I have XXXX other credit cards open with them as they can check my credit anytime. Why are they doing this knowing you will not be approved? I have good business credit, XXXX XXXX XXXXt show me with XXXX XXXX approval and low risk of not paying this card.
Consumer complaint received 2022-09-25
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: Experian Information Solutions Inc. (FL)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I am current on my mortgage. In fact, I HAVE ALREADY PAID XX/XX/2020 On XX/XX/2020, Wells Fargo Reported that I am 120 days delinquent. THEY MUST STOP MESSING WITH MT CREDIT. I am Beginning to think it is because of my XXXX. I sure hope that this is not a matter of my XXXX  XXXX.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (TX)

In accordance to the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under federal codes & regulations : 15 USC 1681 & 15 USC 6802. 16 CFR Part 433, 16 CFR 660.3, and 16 CFR Part 313. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX All the corporations above are in violation of my rights. Please reference the relating federal codes & XXXXtatue regulations below : 15 USC 1681 section 602 ( A ) section states : I have the right to privacy.

15 USC 1681 section 604 ( A ) ( 2 ) section states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency can make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) section states : 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.

15 USC 6802 ( A ) section states : A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

16 CFR Part 313.4 states : You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers.

16 CFR part 313.7 states : You are required to provide an opt out notice. The notice must state : that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party.

16 CFR Part 433 states : It is an unfair or deceptive act or practice for a seller, directly or indirectly, to : take or receive a consumer credit contract that fails to contain the following provision : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

16 CFR Part 660.3 ( A ) states : Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Consumer complaint received 2021-06-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (MI)

I purchased a motorcycle in XX/XX/XXXX and the loan was paid off in XX/XX/XXXX. I never received a release of lien in the mail. I am now in the process of trying to sell my bike and realized I ldid not have the " release of lien ''. I contacted Synchrony Bank on XX/XX/XXXX to obtain a copy of the letter. After a lot of dead end leads and being sent to the wrong departments, I was told on XX/XX/XXXX that it would take 4-6 weeks to get me letter. On XX/XX/XXXX I followed up to make sure they were processing my paperwork and sure enough there were not. I was told that they would expedite it and have it to me by the end of the next week ( XX/XX/XXXX ). On XX/XX/XXXX I called again as I still had not received the letter. The girl I spoke to read through the notes and said the letter had not been mailed yet. The would put the request through again and it would take 7-10 days. I then made more calls and got ahold of a " manager '' and she told me that it was mailed out on XX/XX/XXXX. She lied because I never received the letter.. On XX/XX/XXXX I called again and of course it still hadn't been processed/mailed. I was told AGAIN that they would expedite it. I asked if they could XXXX it to me and I would pay for the charges. I was told they could not. On XX/XX/XXXX I followed up yet again. Still not processed but said they would XXXX to me the next day and I should have it on the XXXX. Still did not get it. I tried to get the tracking number and was told they would call me back with it but they definitely sent it to XXXX on Monday XX/XX/XXXX. They did not call back. I called on XX/XX/XXXX to get the tracking number from them. I called back on XX/XX/XXXX and they said they would again put in the request to have the letter sent through XX/XX/XXXX and, again, I followed up on XX/XX/XXXX to see if they actually did it this time. Of course they did not and I was told it was going to be processed that day. I followed up on XX/XX/XXXX ( today ) and it has not been processed as of today.
Consumer complaint received 2021-06-03
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. (GA)

Hi All Credit Bureau listed me as an authorized user for XXXX XXXX, I never authorize or gave my social security number. I want XXXX XXXX  removed.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB, Inc. (CA)

This account has been paid in full I tried to dispute online but with XXXX credit bureau but I keep getting errors messages unable to complete this action at this time please try again later! I will upload a receipt for proof of payment please modify account or delete it as I was not notified of the furnishing of this account because the company didn't have my updated contacted information until I called the and gave it to them please remove item from my credit reports thank you! Do to I was not properly notified about such account.
Consumer complaint received 2020-03-20
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. (PA)

The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX  False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance
Consumer complaint received 2022-09-25
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)

On XX/XX/22, I reviewed my consumer report and discovered there were inaccurate items reporting to my consumer report. I have contacted the agency via mail, identifying these inaccuracies with proof of identification. The agency has failed to maintain reasonable procedures to ensure that the information is accurate and relevant regarding my personal information. My current consumer report still includes misspelled names/names that do not belong to me, old addresses, and employees.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (TX)

In accordance with the Credit Reporting act 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. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2020-12-15
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: CITIBANK, N.A. (NY)

On my report there is a closed account with huge amount of missed payments. MACYS DEPARTMENT STORES Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACYS DEPARTMENT STORES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Credit Reporting act 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. 

XXXX5 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason