davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX I add a hard inquiry on my credit report per Equifax. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

I received a notification through one of my credit monitoring apps that a negative mark had been placed on my credit report. I immediately checked and the only information reflected on my report was that it was a collection notification from Choice Recovery. I have excellent credit ( just purchased a home and vehicle without any issues ) and I do not owe anyone any outstanding debt. I believe this is an inaccurate notification on my credit report by Choice Recovery in that I have never received any written notice or telephone notice regarding a debt owed by Choice Recovery or any other creditor. I believe this is either an honest mistake by Choice Recovery or a blatant disregard for the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and violates my rights under both by not sending any form of debt validation requirements under these statutes.
Consumer complaint received 2020-11-03
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: EQUIFAX, INC. (AL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2018-07-16
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)

Hello, This complaint involves the three credit bureaus I sent 2 letters to all three credit bureaus about identity theft and foreign information on my account. I spoke to them on the phone, as well as, sent disputes along with police reports and correct information. The wrong information remains on my credit report and it I causing a negative effect in my life. 
XXXX : There is foreign wrong address and an identity theft creditor on my account. I have an affidavit for this account. Also there are inquiries from my credit report that were not mad by me, they were from identity theft. 

Equifax : There is another wrong address which is foreign to me, along with the same creditor of XXXX XXXX which is identity theft. 
XXXX : The same creditor XXXX XXXX ( identity theft ; fraud ), and XXXX is on my report ; along with inquiries from XXXX, that were not made by me. 
The only response that I received was extending a credit freeze and they updated a personal statement on one of my credit report.
Consumer complaint received 2020-11-09
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: EQUIFAX, INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kohn Law Firm S.C. (IL)

XXXX sold my debt to Kohn Law Firm. I am unsure as to why XXXX keeps reporting my debt. I contacted Kohn Law firm twice per the attached letters and have not received what I requested. I then proceeded to contact XX/XX/XXXXto dispute all this and Khon along with XXXX stated that the debt was correct without once again providing me with the information I requested. Again, XXXX should not be reporting this debt since they sold it and Khon Law did not provide me with the documents requested.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2020-11-03
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. (TN)

I HAVE DISPUTED THESE ACCOUNTS MANY TIMES NOW I HAVE YET TO RECENT ANY PROOF THAT THESE ACCOUNTS BELONG TO ME THEY NEED TO BE REMOVE
Consumer complaint received 2020-05-19
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. (CA)

Citi XXXX has been posting and charging on my Simplicity card last XXXX XXXX charge ever since 2016 bogus charges that I di n't make, these charges have been going on since 2016 I have reported them to Citi XXXX they said that they were going to invetigate these charges but they have not done so and they continue to allow the bogus to go on and my balance has continuosly going up and with all their charges, interest and handling fees and all other bogus fees my balance har risen to enormous proportions in the neighborhood of {$3000.00} dls that I will never be able to payup. 
I would like for you to investigate this and make this bank to stop these charges and credit my account with all those extra charges that they include. 
Also I only have two card on which I owe money to the and I only used them once, but they also clain that I have two Simplicity accounts and on Preffered acount but as I stated bafore I only have one Simplicity account ending in XXXXand a prefered ending in XXXX but they also show that I have another Simplicity card ending in XXXX, again I have not used these card but once to make a purchase and have not used them again since they were issued to me, so please help me solve this problem
Consumer complaint received 2017-08-09
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: Bepensa Capital, Inc. (NC)

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Consumer complaint received 2020-11-20
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. (OH)

On XX/XX/XXXX, I sent out dispute letters to XXXX, XXXX  and Equifax credit reporting agencies. I received no response from the other agencies. Equifax tried to say they didn't receive the letter yet and to wait a few more days. At this point it has been well over 30 days. They claimed they couldn't authenticate me even though I had answered the questions straight from the credit report. I contacted all agencies and they claimed that they didn't receive them. They then claimed a third party sent out the requests. All requests came from my hand and were hand mailed out by me. How can they claim that there was a third party involved if the never received anything? This seems like a stall tactic by the credit bureaus to give a hard time to consumers because they don't want to have to deal with the removal of these items for dispute. 

These letters were done by me and mailed by me. They claim its a third party but in the same breath say they never received anything. How can it be both. They have had 60 days to respond and haven't. I disputed 2 Bkpcys on my credit out of California because I have only ever filed one Bankruptcy and that was a Chapter XXXX in Ohio in 2014.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I was making a purchase for an instagram reseller for {$310.00}. They have directed me to send the money to them via XXXX and I did. The purchase was on XX/XX/XXXX. I was told that the product is going to shipped out the next money which was on XX/XX/XXXX. I messaged the reseller and they blocked me on XXXX on the same day. At this point, I had already know that I had been a scammed victim and lost {$310.00}. I filed a E-regulate dispute with Chase since XX/XX/XXXX and never heard from them since. I just want to reach out to CFPB to help me getting my money back for being scammed from the scammer.
Consumer complaint received 2020-12-09
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: FORD MOTOR CREDIT CO. (GA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 Ford Motor Credit Corp add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX., XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-05-19
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. (MO)

Contacted all three credit bureaus about XXXX XXXX XXXX adding an old debt back onto my credit report as a new debt. XXXX  was the only one to remove this debt due to this company not contacting me through phone, email or mail, and adding an old debt to my credit report like its new, which violates the FCRA. I have contacted the other two credit bureau and they will not remove this debt that violates FCRA laws.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I have disputed this account with credit bureaus as the balance is incorrect. I provided the statement to the credit bureau showing the end balance with a date of XX/XX/XXXX. The company in turn sent by mail the exact statement with the correct balance, but they are not reporting the CORRECT end balance. I received correspondence in the mail from the company dated XX/XX/XXXX " While we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the timeframe prescribed by state law. We may not have sufficient time to complete an investigation of the alleged inaccuracy. '' Which leads me to believe this information was never actually verified. 

The previous complaint did not address my issues. According to the statement that you sent you are still reporting an incorrect balance. I see a balance on XX/XX/XXXX that is lower than the balance that you are reporting. Besides that point the balance would still be incorrect as the deposit that I paid to the apartment when I moved in is not showing on the move out statement to reduce the balance. Which I pointed out to the previous collection agency and they never responded and removed the account from my credit report. You DO NOT have proper verification of the account nor the amount due.
Consumer complaint received 2020-09-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Acceptance Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this alleged debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-05-19
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. (CA)

I AM VICTIM OF IDENTITY THEFT, I PLEA IS TO HAVE THIS FRAUDULENT XXXX  XXXX XXXX ACCOUNT REMOVED FROM MY CREDIT REPORT. THE ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES AND THE PAYMENTS MADE ARE NOT DONE BY ME. I HAVE NEVER REQUESTED THIS ACCOUNT TO BE OPENED. THIS ACCOUNT CURRENTLY IS CLOSED WITH A XXXX BALANCE,, NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND ITS NOT MINE,
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (DC)

XXXX : Citibank Joint Checking Account - Line of Credit Account # XXXX My husband and I opened this joint account in XXXX. 

In XX/XX/XXXX, I noticed on my credit report that this account was reported negatively as " Charge off '' in the amount of {$18.00} Neither my husband, nor I had not received any notices, bills, documents or any correspondence from Citibank regarding this. 

In XX/XX/XXXX, I called Citibank and eventually was connected to the Recovery Dept at ( XXXX ) XXXX. The representative informed m that Citibank had the wrong address on file and that they had been mailing all correspondence to the wrong address at XXXX XXXX XXXX XXXX, Washington DC XXXX. 

My husband and I have not lived at that address for years!!! 

SInce my husband and I had not received any correspondence regarding this issue, we were not even aware that there was a problem until I saw it on my credit report. SInce we were not aware of any issues, there is nothing that we could have done. The Citibank representative told me to fax my concern to 2 different departments : the " Credit Reporting Disputes '' at ( XXXX ) XXXX and to " Billing Disputes '' at ( XXXX ) XXXX. I asked the representative if I could pay this amount right there and then, but the representative stated this was not an option since the account was in " charge off '' status. I asked what I could do to resolve the issue. Once again, the representative told to fax my concern and requests to those 2 departments. 

On XX/XX/XXXX, I faxed a letter to both of these departments, asking them for a resolution. I asked them to remove the negative credit information, and change the account to good standing. 

I received no responses to this faxes. 

A a consequence, I hired XXXX XXXX to correct this problem in XX/XX/XXXX. XXXX XXXX sent several letters to Citibank asking them to correct this. Citibank has not corrected the problem. Citibank has never offered me an opportunity to resolve the problem.
Consumer complaint received 2020-11-03
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. (PA)

On XX/XX/2020 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 I'm 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 equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-02
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)

I opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.
Consumer complaint received 2020-11-20
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: Westlake Services, LLC (MA)

This account is reported incorrectly and inaccurately. The payment history is not consistent among the reporting bureaus. Also to point it out this account is tagged as charged off yet there is a balance. I urge your team to help me get this out of this report.
Consumer complaint received 2020-11-09
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. (MO)

I sent a letter to all three bureaus XXXX, Equifax and XXXX  XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

Promotional balances do not earn interest if paid in full by expiration date. My payments ( quite often large amounts ) have been allocated to promotional balances, causing interest charges and inflated balances, even after I made an allocation request and company assured me that payments would be allocated according to my request. I have even received letters from the company confirming that payments were allocated, only to log on to my account online or receive a statement showing that the opposite was done and I was being charged interest on a balance that was paid. This is an ongoing issue. Customer service agents blame " the system ''. I am forced to deal with repeated calls, online chats, paper statements only an accountant can translate, and incorrect and misleading online account records. It is all very confusing and I believe a deliberate attempt to wrongfully charge fees and interest. I am certain that it is adversely affecting my credit in as much as actual balances are skewed by the company 's repeated failure to immediately update my account and properly credit my payments.