davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-02-16
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: ENCORE CAPITAL GROUP INC. (NY)

Full Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : Midland credit managem Account Number:XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (SC)

I told ALL the credit cards I owe that I had a injury, which is true. Because if the injury I was unable to work and eventually lost my job because of it. I was told by all of them they would work with me and that they understood. Suddenly one card closed my account and sent to collections. Well as soon as that happened they all did the same thing. They lied about working with me and have since ruined my credit. I will not let this go until the accounts showed paid in full. They all told me a line of XXXX  closed my accounts and I was unable to take care of them. I want those accounts removed and Ill show how I can keep my credit up to date and have them begging for my business. Please help so I can move on and have the things I deserve.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN
15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-02-16
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. (VA)

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. Account name XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX XXXXXXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX {$1300.00} Account name : XXXX XXXX XXXXXXXX {$900.00} Account name : XXXX XXXX XXXX XXXX Account name : 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 ) 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 2023-02-16
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 requested debt validation on XX/XX/XXXX from the 3 major credit reporting agencies : Equifax, XXXX And XXXX. On XX/XX/XXXX, I requested the method of verification and did not receive a response from either of the three credit reporting agencies. I sent a second letter to all three credit reporting agencies on XX/XX/XXXX. As of date, I have not received any communication from either of the three credit reporting agencies.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (MO)

I have worked very hard to improve my credit and had submitted all required documents for an application for a refinance. Having had no communication with the loan officer or the company, I emailed to inquire of the status and was given a curt reply that informed the loan officer is no longer there. I was not given the status of my loan and no other option for contact. As a business professional, I understand turnover and contacts, but as I had still filed all the necessary for a loan through the company, am I not required to receive a decision one way or the other? As an individual who works very hard and always extends common respect and courtesy to others, I am extremely disappointed and discouraged. It conveys clearly that my loan is no longer a matter of concern, and I am understanding of this, but I would like to have been treated professionally and at least given an option as to who I could possibly talk to.
Consumer complaint received 2021-02-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

The original amount of my loans were 1. XXXX XXXX. XXXX disbursed in XXXX the interest rate is 9.75 i began repayment in XXXX. I have done inschool deferment, as well as interest only payments over the life of the loan. To date I have payed XXXX in interest and principle and my balance of these two loans is now 1. XXXX XXXX. 
I have asked for research to be done on the loan by navient. other than saying that the interest has accrued they can not tell me why i have not made a dent in my balance and how it has went up. 
according to the website i am scheduled to pay off the loans in XXXX and XXXX respectively at a payment of XXXX divided across the two loans. 
this is mathematiclly impossible. I really need some help with this. I have paid XXXX in principle and XXXX in interest..how is that even possible.? they have to be compounding daily!! 
Please help!
Consumer complaint received 2021-05-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

I have been trying to get a loan modification with Selene financial for close to 2 years. After offering me only a feed in lieu or short sale they offered me a loan modification and I appreciative. However the terms are unclear to me. It doesn't state the duration of the loan 30 years nor whether the balloon payment contains administrative fees as well as arrears. 
I does not disclose if there is a prepayment penalty.I need truth in lending and feel that I am asked to accept unfair terms through nondisclosure. I am an XXXX American female Citizen who has been the victim of loan modification flipping in the past. The practice continues.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (IL)

I have written to SETF/WOFC several times as well as to XXXX  and XXXX  pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (TN)

I recieved a netspend prepaid debit card that i did not request. The card came in the mail already printed as if i signed up for it. I beiueve that my information was used with out my permission. Refer to the attachment. NETSPEND shows that i did not submit any information, because when i called in they asked me for my SSN
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (NY)

I am writing this complaint number one because we have been a loyal customer since 2000 and this is no way to treat customers that have been ripped off and unable to obtain financing due to issues with discrimination. This is illegal in the USA. 

Since this is a matter that involves discrimination we DEMAND THE REASON AS TO WHY WE ARE BEING LIMITED.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (KS)

I got my fiance 's direct deposit into my account and so card.com said they were closing my account and returning the money to the issuing bank ... It's been about two weeks now ... just wondering when they was gon na close it and return it I've sent several emails thanks for ur time
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I applied for a PaylPal line of credit, run by Synchrony Bank, on XX/XX/XXXX. I got approval for {$4300.00}. I put a moving bill of {$2300.00} on it the same day. The bank pulled my credit, creating a hard inquiry on my report that registered on my reports XX/XX/XXXX. A new account was reported on XX/XX/XXXX. I just received notice today ( XX/XX/XXXX ) FROM MY CREDIT REPORT NOT PAYPAL OR SYNCHRONY that this account is closed. It actually close XXXX days after it was approved and opened. 

Called PayPal and they said it was synchrony banks decision and they couldnt reverse it or explain it other that it was flagged as a reporting issue. 

Called synchrony bank and they said it was high risk and due to activitywouldnt say if it was activity in my credit report-which there has been NONE since they pulled my report and approved this credit line-or the activity on the credit line which again, has a single bill from a moving company and I havent even been a customer long enough to get a statement never mind make a payment so Beware! PayPal and synchrony bank can ding your credit report with a hard inquiry, open AND close an account within days of each other with no fraud or poor credit practices on your part, which also dings your credit score! I got points off for the inquiry and a massive drop with an account opening and closing within a week WITH A BALANCE ON IT! It totally destroyed my score! The only thing fraudulent and high risk is doing business with PayPal or Synchrony Bank! They can destroy my credit report with zero repercussions! Fraudulent and highly predatory! Creating issues on my score to reflect high risk when they are the cause!!!
Consumer complaint received 2023-02-16
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. (MD)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9600.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have 3 hard inquiries from banks which i never filed for credit card?? I am just seeing this now after amost 2 years ... 2 from capitol one and the other from XXXX XXXX XXXX which i never even hears of?? I also have another from XXXX XXXX XXXX  which i already called and had it fraud because i do not have any credit cards also have a hard inquiry for refinancing my car which i didnt try to refinance because i havent had my car for a year yet so can you please take off the 4 hard inquiries from the banks and also the ome for XXXX XXXX please and thank you
Consumer complaint received 2023-02-16
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. (IL)

VIOLATIONS OF MY FCRA ALSO VIOLATIONS OF THE METRO 2 COMPLIANCE # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I constantly continue to request that all accounts and inquiries on my consumer report is incorrect and the result of identity theft but each time I submit a dispute they send me a letter literally the NEXT day saying they " verified '' it when I said the account was NEVER mine. I keep submitting the same dispute saying the same thing and they keep leaving it on there. I just want it all removed from the consumer reports. I am tired of being inconvenienced by other banks and being unable to open my own account because of someone else using my information to open fraudulent accounts and apply for things in my name.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

{$10000.00} was taken from my account on multiple dates in XXXX through XXXX XXXX. Although I did at one point have XXXX XXXX, my current bank account is not attached to it. I have taken an image of my XXXX XXXX and the bank account attached to it, which is a closed account from a different bank. Also, my current banker, Chase Bank, states that my fingerprints were used to withdraw this money from my savings and they pinpointed the location, which is XXXX, CA. I live in XXXX and work in a prison located in XXXX XXXX. I can prove I was at work on the alleged days I was supposedly in XXXX. I talked to the claims representative, and they said the case was close because biometrics, fingerprints, were used. I feel this is negligence on their part and not being able to protect my money. The money was withdrawn from same location, in XXXX, CA on the following dates : XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XXXX and XX/XX/23. Furthermore, even the bank tellers are confused as I am, on how they could withdraw so much money from my savings account and there were no notifications from the bank that this money was being withdrawn. Thank you.