davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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. (IL)

Hello I am XXXX XXXX, I am reaching out to you, In part to a bankruptcy That has been Is null and void on my consumer report which Is hindering me financially, I have spoken with XXXX, I have spoken with Equifax and I have spoken to XXXX, who all told me they would remove this account from my report about 2 months ago now, but I happen to check my report recently and it is still showing up there which Is odd, If There Is nothing your corporation can do to remove this account I will take it a step further If need be. 
Thank you The law states In 15 U.S. Code 1681 ( A ) ( 1 ) ( 4 ) - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXXeference number : XXXX Record type : Bankruptcy chapter XXXXdismissed Court
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/2020 I signed up for the American Express Financial Relief Program via chat. I thought the program would lower my interest rate temporarily for my Delta Gold Card but I had no idea that American Express would close my Gold Card ( charge card ) as a result. I misunderstood the person via chat and it's not listed anywhere on their website that they will cancel your charge card. When I began the process I told that my Gold card wasn't eligible for the program and if I still wanted to proceed, but I wasn't told that American Express would be canceling my charge card. I thought it meant only the Delta Gold card would receive a lower interest rate. Anyway, after I consented I was informed that my charge card was being cancelled. I asked the customer service rep to cancel. I was informed that it could not be undone. I've contacted customer service and was on hold for over 40 minutes before I reached someone. I was told the office was closed and I would have to speak with someone tomorrow. I was also told I could be removed from the program but I still don't know which is true. Either way, this was extremely deceptive.
Consumer complaint received 2023-01-12
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. (WI)

As I'm going back on my credit report I noticed usual use of my credit report. Someone has used my credit for information that does not tan towards me. Some of the information with accounts reporting on my has be used that was not authorized by me. 


These accounts have been included on my FTC Fraud Affidavit XXXXXXXX XXXX  XXXX presented by my local police department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FREEDOM FINANCIAL NETWORK (NM)

This is a debt consolidation loan. It saltarted with them having me make payments directly to them as they settled my accounts I provided them. This started in XXXX of 2017. I made payments of {$360.00} a month to them. After 7 months of making payments to settle the accounts. They offered a loan through their sister company. At first it was supposed to be the same payment plan and term ( 36 months ). When they offered the plan to me. After they went through and had me sign the documents the payments on the final copy I receive went from XXXX a month to XXXX a month. And the term was increased from 36 to 60 months. I figured I had already signed the documents so I could change them. Well back this past XXXX I started getting collection notices from creditors that were supposedly included in my debt consolidation loan that Freedom claimed to had settled. When I emailed about these they provided no response. When I emailed and told them I am not making another payment until they resolve the issue. They ignored me. Now they call asking for me to make a payment. And when I ask about the complaint I filed. They say theyll look into it and have someone call me back later that day or the next day. And that has not happened after numerous phone calls in 3 Months. The other issue that I have is the payments I initially started to make of {$360.00}. Were not reflected in my initial loan showing that I already made those payments towards the debt.
Consumer complaint received 2020-05-28
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. (NV)

I contacted Experian over the phone to request a dispute for unauthorized or incomplete or unverified information reported to the consumer credit report. I disputed some accounts and a bankruptcy that been reported to my credit report. I asked Experian supervisor that if they are getting this information from Pacer ( the US court ) that information is incomplete since they dont provide the social security number complete.The supervisor was very unprofessional from the beginning to the end, he didnt care about my issue and all the time when I request for an investigation is very fast and I been asking for the proof that they are basing if the accounts dont get deleted for. This company ( Experian ) has agents in XXXX they are no able to understand and I am not even sure if they are handling my information such as social security in the right way. They refused to delete some account that they are no able to verify since I asked for proof including sent letter to the creditors and they didnt respond to me. Account that need to be removed from my credit report XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the Bankruptcy that they are reporting under my name with an incomplete or incorrect social security number. I disputed that Bankruptcy and they failed to investigate or remove it or send a letter explaining the reason why they didnt remove the information disputed or provide proof of were they got that information with a complete social security number. 

Customer service is horrible, I opened a complaint with CFPB and Experian responded in a way that my complaint was closed without resolution. I will provide a screen shot of the result of this last investigation and how the accounts still in my report. Experian is violating the law and if this complaint dont resolve my issue I will file a lgalas complaint
Consumer complaint received 2023-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

Nelnet Loan Services continues to refuse to fix a broken button when making a payment. When making a payment on its website, and when attempting to pay more than the minimum, there is a dialog box that pops up where you can check it so it does not advance the due date. Obviously Nelnet wants you not to check the box and tries to skip your next payment. Well that box has been broken for over six months now. I have asked three times over that period that they simple allow a person to check that box but they refuse to fix it. This is unacceptable. They should not be allowed to keep me debt longer through a broken website which they clearly are doing on purpose.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I opened a TD bank checking account online over seven days ago. Had my payroll check for XXXX deposited into my account. Transferred {$370.00} into the new account also. Debit card did not come and I needed some cash so stopped into the TD bank on XXXX XXXX XXXX in XXXX Florida on Sunday XX/XX/ at approx XXXX eastern time. I had to wait over one hour to speak to a teller who informed me I could not take funds from the account and that I had two charge off accounts one for XXXX and one for {$1000.00}. The one for {$67.00} I knew about. My identity was stolen from the unemployment system a couple of years ago. TD bank has never made me aware of this {$1000.00} balance and because of prior identity theft I dont even know if this debt is mine. The teller told me the only way to resolve the account was to pay this in full otherwise my funds are on hold and owed to TD Bank. my car is supposed to go into the shop Tuesday. My air conditioner broke in my car and I have two diseases. I think it is unfair of TD bank to keep this {$1000.00} without my prior knowledge of this debt. I want this refunded to my checking account. My rent is due and this has put me in a terrible position and I am sitting here with extreme XXXX. I am reporting this to the company who owns TD Bank. 

Prior complaint # against TD Bank was XXXX I have been asked why I Bank with TD bank and it is because I truly like TD Bank and the convenience hours on weekends and low account rates but all for these 2 situations I come back to this bank because I truly think it is one of the best in the area. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (MD)

I just pulled my credit report and XXXX XXXX XXXX is listed as a charge-off on my report. I have never been notified by the company of an charge-off and this is effecting my credit score. It also has no balance even listed. This should not be on my credit report.
Consumer complaint received 2020-05-28
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. (IL)

I have disputed 6 unauthorized inquiries with Equifax three different times on XX/XX/2020, XX/XX/2020 and XX/XX/2020. Each time they have responded by providing a result that states " inquiries are a factual record of file access '' and each time, I have rebutted this response by advising I am NOT disputing the fact that inquiries aren't a factual record of file access but rather they were NOT authorized by me. They also advised for me to reach out to the creditors for additional information. However, I've contacted these companies time and time again and they have informed me that they have no open accounts and no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with a permissible purpose. They then direct me back to the credit bureau who again is advising that there is nothing they can do to help me. 

*Please note that these inquiries were disputed over the phone each time. After the second attempt, I requested the credit reporting agency 's method of verification authorizing credit inquiry.
Consumer complaint received 2021-07-16
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$12000.00}, {$2700.00}, {$4500.00}, {$2500.00}, {$7900.00}, {$0.00}, {$41000.00}, {$39000.00}, {$4000.00}, {$18000.00}, {$6100.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- INSTALLMENT LOAN 11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I have been working very hard on my credit report and on XX/XX/2023, I paid down my XXXX XXXX card a XXXX XXXX  dollars ( with a balance still there, just it went down {$280.00} ) and on XX/XX/XXXX, EQUIFAX reported that my score went DOWN XXXX points BECAUSE of this action. And the notation below it says NICE WORK! 

On Sunday, XX/XX/XXXX, I called EQUIFAX. I spoke with a representative for about an hour ( hold times, etc ) and she told me that it COULD be resolved. Then I was cut off after about and hours time, and had to start all over again. 

The second time, after escalating it to a supervisor bc I was cut off the first time ( they say they are unable to return calls if they drop them by accident ) The company refused to do anything about it after I spent over two hours total on the phone, on Sunday, and all the upper level supervisor would say that its an automated system and they have no idea why it goes up or down. And there was NOTHING he could or would do. The first representative should have told me this and not wasted all my time and tears.
Consumer complaint received 2023-02-27
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 XXXX  Account XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-27
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 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 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-02-27
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-05-27
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (HI)

EQUIFAX DROPPED MY CREDIT SCORE BY 75 POINTS IN ONE HIT FOR MY CREDIT BALANCE RAISING BY {$110.00}. IT'S ILLEGAL FOR A CREDIT SCORE TO GO DOWN BY MORE THAT 50 POINTS LET ALONE 75 POINTS BY XXXX XXXX XXXX EQUIFAX.
Consumer complaint received 2023-02-27
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 XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.
Consumer complaint received 2023-02-27
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)

In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason
Consumer complaint received 2023-01-12
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. (GA)

I reported to all XXXX credit bureaus that I had a paid service to remove all debt from my credit in XXXX  and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX XXXX XXXX XXXX XXXXXXXX that were in my name not the one I am an authorized user on. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The credit bureaus are in violation of Section XXXX of FCRA. 


Thank you.
Consumer complaint received 2020-05-27
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: Sequium Asset Solutions, LLC (CA)

As of XX/XX/2019, Sequium Asset Solutions , LLC, a collection company, account appeared on my credit report for {$500.00}. I contacted Sequium regarding the debt and learned it was for a Spectrum cable account for service at an address in Texas that was never paid. I have never lived in Texas and I have a XXXX  account at my home in XXXX XXXX in good standing. Sequium referred me to the original creditor XXXX aka Spectrum. XXXX aka Spectrum reviewed the account and determined it was fraud and issued a deletion letter for the account to be removed from my report. I submitted the deletion letter with the dispute to the collection account and it was dispute returned that the account was correct and not to be removed. I called Sequium and they said they advised the bureaus on XX/XX/XXXX to remove the account. XXXX denied receiving correspondence from Sequium to remove the account. XXXX said Sequium collection company is the only one that could authorize to remove the account-they are the name on the credit report. The account is a fraudulent account which has really decreased my credit score. I am stuck between the collection company and the original creditor.