davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (NC)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable items below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

We have been with MyControl Card for years and we have never had any issues up until two weeks ago. Two weeks ago, my husband contacted them due to we both received a text message to call customer service. We called the number on the back of our cards and was told that one of the cards was compromised and we needed to verify our info. We verified our info by phone and sent them in info as well. They closed out our current cards and sent new ones. We tried to pay a bill today, XX/XX/2020, neither card works, called the number on the back of the card and got told that our account was closed out and we would be receiving a check within 7-15 business days. We kept asking why it was closed out without them notifying us first because we have to pay rent and by the time we get the check, we will either be evicted or have to pay a lot of late fees. We got transferred 4 times before someone said that someone called trying to change the info on the account. We ask the guy how can we get our money because we have to pay rent on the XX/XX/XXXX and can't afford any late fees, the guy just stopped talking and just kept saying they can't do anything and he can transfer us to customer service who already transferred us to them, we ask for a manager ad he said one wasn't available and transferred us to customer service. We have been on the phone for over an hour now. We are still getting told 7-15 business days to get our money and rent is due in 2 days. This is bull and we are  either going to owe a lot due to late fees are charged daily starting on the XX/XX/XXXX or we are about to face eviction real soon. Whatever you do, do not get a prepaid card with NetSpend/MyControl
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

RE : Dispute of Unauthorized Information Disclosure Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law.

Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. 

Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681.

Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have a letter From XXXX XXXX XXXX that I am enclosing that validates that the debt that XXXX XXXX XXXX AKA XXXX XXXX XXXX says I have with them is not my debt. I have filed numerous complaints with XXXX and Equifax trying to get this debt removed. In every complaint XXXX and Equifax swore the information XXXX XXXX supplied that validated this debt was accurate and credible. Here is a letter from XXXX XXXX XXXX ( The alleged original creditor ) that says this is not my debt and I am not responsible for it. I want XXXX XXXX XXXX trade line removed from my credit report bt XXXX and Equifax.
Consumer complaint received 2024-11-01
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-21
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XX/XX/20XXXX XXXX  XX/XX/2022
Consumer complaint received 2020-01-30
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: BARCLAYS BANK DELAWARE (PA)

On XX/XX/XXXX I was redeeming rewards points on my Barclay Card Mastercard account.I was given the option to choose from several products & choose XXXX XXXX XXXX XXXX XXXX. When I placed my order I was charged a {$4.00} S & H fee for each item which I gave my card number and placed the order. I did not  order any other products, or agree to any future charges or shipments. When I received another shipment of products on XX/XX/XXXX I looked at my card account and found that my card had been charged {$85.00} on XX/XX/XXXX and XX/XX/XXXX ; as well as {$110.00} on XX/XX/XXXX and XX/XX/XXXX. I called Barclay Card and requested to dispute these charges, I was told that I needed to contact XXXX XXXX XXXX directly. When I spoke to XXXX at XXXX XXXX and explained that I did not want any of the products and that I would be returning fr a full refund, I was told that it was too late and that I had agreed to receive all products when I ordered my first product. I did not sign any agreement to receive these products and my card has been charged {$410.00} plus interest, which I am unable to pay due to my limited income and my XXXX spouse. I have returned all products to XXXX. Can you please assist with this issue. I have also logged and dispute on both companies website and received no response.
Consumer complaint received 2024-10-25
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. (FL)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for me to ensure accuracy. 

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 XXXXXX/XX/year>
Consumer complaint received 2021-03-04
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS NOT MY ACCOUNT. Both my wife XXXX XXXX and myself were victims of identity theft. I attempted to resolve this with Equifax, XXXX  AND XXXX  and and the Collection agency. The credit bureaus is still reporting this fraudulent account and I want it removed immediately. The collection agency is harassing my wife and I by calling and threatening to file charges. This is a Fraud account. Im retaining an attorney and suing the credit bureaus for reporting this fraudulent account. Please remove immediately!
Consumer complaint received 2022-10-16
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. (GA)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2020 two first class tickets were purchased with the Barclay Card XXXX rewards from the XXXX XXXX XXXX from XXXX for medical reasons. Because of COVID-19, we cancelled and rescheduled the flights knowing this was going to happen. The country started opening its borders again and I tried calling and tried to get in touch with XXXX being on hold for hours on end- then just two weeks before we were to take off they cancelled our flights meaning they bumped us out. Never mind that we purchased the tickets MONTHS IN ADVANCE. We then had to purchase the tickets from XXXX XXXX and we got to our destination. Prior to leaving we notified Barclay and they gave us credit back for both tickets. When we got back, we were refunded for one of the tickets. We are now being ignored to get the other one refunded.
Consumer complaint received 2020-08-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This account US DEPARTMENT OF EDUCATION ( CLOSED ) is more than 7 years old. XX/XX/2012 XXXX XXXX  {$14000.00}
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (OH)

In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % 100 fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...
Consumer complaint received 2023-07-21
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This account XXXX XXXX was included in my identity theft Affidavit XXXX Equifax and XXXX sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. I have repeatedly asked that they remove this from my report This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (MO)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2020-08-25
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: EQUIFAX, INC. (OH)

On XX/XX/2019 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 have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-12-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I have been trying to deal with them for ten years now, I got these loans because I was told they were just like any other student loan, but these loans you could pay on while in school so you didnt owe so much in the long run. That was entirely false. They will not combine my loans into a single loan, they will not remove my co-signers from the loan, which I was told would happen when I was out of school. They will not allow me to repay based on my income, no other companies will touch these loans. They call me an average of ten times a day sometimes leaving messages sometimes not and they call me from multiple numbers, I only find out who it is after they eventually leave a voicemail. They call relatives and places Ive been and worked asking for me and payments and that I owe money. They harass my family and me endlessly with these calls. I have tried multiple different ways to resolve my loans to make it where I can make payments and afford payments, but they deny every attempt I make. They are asking for 3/4 of my monthly income, and I have an ill wife and child to care for a car payment so I can get to my job to pay on any loans, and a house to pay, and that doesnt include all the other basic things that require money to have like food. Every step of the way this company has lied to me and deceived me I found out for awhile I was making payments and a family member was making payments yet it was never shown that multiple payments were being made. Dealing with this company has been a nightmare and I would never recommend using them for student loans.