davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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. (IL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-01-13
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: Possible Financial Inc (CA)

XXXX Account # : XXXX Date Opened : XX/XX/2021 Balance : {$190.00} This is a charge off account but it still has reporting balance. XXXX is not reporting and the payment history is showing multiple charge off.
Consumer complaint received 2021-11-18
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NE)

On my XXXX statement the balance was XXXX and I paid the balance but apparently I was a day late. I was assessed a late fee of {$34.00}. I didn't know I had a late fee ( because I thought I had paid off my balance ), so I didn't pay the late fee and was charged another late fee ( on top of a late fee of another {$34.00} plus a minimum fee of {$2.00} ( totalling XXXX ). I now have a balance of {$70.00} made entirely of fees. Charging a fee on a fee when I have never been late to this point is ridiculous. CS won't assist. This company is horrible.
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

A fraudulent account with XXXX XXXX  was opened without my consent using my social security number. They charged {$1100.00} dollars, and I never received a bill or was notified that an account had been opened in my name until the amount was sent to collections. I began receiving letters from Jefferson Capital Systems ( the debt collector ) about this amount owed, as well as daily phone calls requesting that I pay. I contacted XXXX on XX/XX/XXXX to dispute the charges as fraud identity theft, and after an investigation, they determined that I was not responsible for the charges on the account, and thus cleared any debt owed under my name in their system. They also said that they would send notice to all three credit bureaus that the debt was not legitimate. I also called Jefferson Capital on XX/XX/XXXX to try and clear the debt on their end, and they said they would open an investigation to the legitimacy of the debt. I gave them information regarding the results of XXXX 's claim dispute which stated that I did not owe the debt. The calls and collection letters did not stop. On XX/XX/XXXX I called XXXX again to check on the status of my claim dispute, since I was still receiving collection letters and daily calls. They told me that they would send another notice to the credit bureaus and to contact Jefferson Capital. I contacted Jefferson Capital again on XX/XX/XXXX and they again told me that they would dispute the claim. I stopped receiving collection letters and phone calls around XX/XX/XXXX, but when I checked my credit report recently, I saw that I am still under collections for {$1100.00} by Jefferson Capital. I called XXXX again on XX/XX/XXXX to make sure that the dispute had been settled, and they sent yet another notice to the credit bureaus and recommended that I dispute the fraudulent debt with the bureaus directly. I also filed a local police report for identity theft on XX/XX/XXXX detailing the situation. Thought I was a victim of identity theft and my name has been cleared of all supposed debt by XXXX, my credit report is still being negatively impacted by the {$1100.00} in collections by the debt collector Jefferson Capital Systems.
Consumer complaint received 2022-03-16
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. (PA)

My dad used my social security number without my knowledge or permission to take out school loans in my name. I was informed that he has paid for my college, but as it turns out he just took loans out in my name. I was unaware of this until I learned what a credit report was earlier this year. When I asked my dad why i had over {$20000.00} taken out in my name he replied by telling me that I had nothing to worry about because everything was " paid up ''. I informed him that paid up is not the same as paid off. Combine that with I don't actually know what or where any of that loan money went to. At this time he has opened XXXX XXXX XXXX in numerous states without my permission. I don't even know how to open or get a XXXX XXXX XXXX I am being held financially hostage by my parents and they just continue to use my name and Social Security Number to sign me up for credit cards and insurances that I not only can't afford, but did not agree to be signed up for. My birth parents refuse to help me or tell me what is going on. 

When I originally filed, I was informed to file a police report. I emailed my local police, XXXX XXXX. They refused to tell me how to file a report or help me. They will not let me file a report as an officer who showed up at my house unannounced said " well we don't want to drag anybody off in handcuffs '' and if there's an emergency I should call XXXX. Since my original report I have heard complete radio silence from anyone and everything
Consumer complaint received 2022-07-08
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 is an account on my credit for XXXX XXXX states I owe them over {$6400.00} for a lease- I notify the company - that was identity theft - I had made a police report - and submit it to IRS also XXXX as this person was also working under my identity. This account does not have the correct ss # - this account is not mine- Identity theft- XXXX XXXX needs to remove it from my credit score- spoke with EQUIFAX Conf # XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (PA)

I am XXXX XXXX I am submitting this complaint for myself. My XXXX credit report dated XX/XX/21 as well as my XXXX report dated XX/XX/21 shows a debt collector by the name of Simons Agency Inc. I have never had an account with this agency. On XX/XX/21 a request for validation of this alleged debt was sent. Pursuant to 1692g this agency under law has 5 days to furnish this information. This agency is in violation ( pursuant to law ) of my privacy. My written permission was never furnished and my request for validation was ignored. Correspondences were sent via certified mail XX/XX/21 & XX/XX/21.
Consumer complaint received 2021-08-04
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MIDFIRST BANK (CA)

The account was open with identity theft info, the person using my info open this account. This is a fraud account, I contact the mortgage company and send them everything they asked me to prove that Im not the same person that open the account. But last time I call they said that they didnt found anything with my name or social but the account still is in my credit. Im m tired and stressed too much doing for not getting anything solved.
Consumer complaint received 2021-11-16
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

After XXXX XXXX could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for much they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this XXXX XXXX account from my credit report. SEE ATTACHMENT. XXXX was just trying to collect a sum of money I never own them.. I REQUEST XXXX AND EQUIFAX TO DELETE THIS ACCOUNT IMEDIATELY FROM MY CREDIT REPORT.
Consumer complaint received 2022-08-02
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

Had {$2500.00} deposited into the account and then the next day the balance was {$1.00}. Someone had hacked into my account and charged items that I didn't approve or know about. 
The money was recovered and is in my account but Discover debit card company will not let me have the money for 90 days. This money was for a very important transaction that needed to be made. 
I have requested many times for a statement to be mailed to me as I can no longer login. I only know about the money is everyday I get a text message stating how much money is in the account. 
Discover makes you hold on the phone for up to 2 hours and then says that it is the wrong department and puts you on hold again. 
Please check on this as I REALLY need that money. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

I have a XXXX XXXX Citi credit card and a Citi Miles Ahead Savings account. I tried to sign online to pay my credit card ( through the app and through a web browser ) and it asks/forces me to activate my savings debit card. I don't know where my savings debit card is. I've called Citi and they said the reason I can not login to my credit card account because I have to activate my savings debit card in order to gain access online to my credit card account ( pay the bill, etc. ). That is so wrong! Why can't I access my CREDIT card account when the issue is with my SAVINGS account. It's IMPOSSIBLE for me to access my credit card account online ( simply b/c I didn't activate my savings debit card ). I was forced to call Citi and get them to send me a new debit card ( b/c I don't know where my old one is ). I then have to activate the new savings debit card in order to access my credit card account online. I told the developer who told me what my problem was, and I told him that was a major issue. I doubt he ever raised the issue to management.
Consumer complaint received 2022-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

FEDLOAN is not giving updated number of payments. FEDLOAN is not updating my account consistently with CARES ACT. 

- employment has been verified XX/XX/XXXX - fedloan is not counting payments until XX/XX/XXXX ( when consolidated, which limited waiver of CARES said is incorrect )- they are not counting my employment dates in XXXX and XXXX and XXXX of the recent year XXXX with last employer despite form from company - i want an accurate count which should be XX/XX/XXXX and expected payoff as of XX/XX/XXXX as I have been employed and had verified since XX/XX/XXXX and made payments every month until XX/XX/XXXX with CARES ACT taking over and attempted payments XX/XX/XXXX to XX/XX/XXXX but not full payments due to approved hardship ( which CARES ACT still states should count ) - FEDLOANS HAS ADDED MORE YEARS TO MY SERVICE NEEDED FROM 10 YEARS ( XX/XX/XXXX TO XX/XX/XXXX ) TO NOW REQUIRING XX/XX/XXXX!!!! 
- FEDLOANS HAS INCREASED SERVICE REQUIRED FOR XXXX FULL YEAR
Consumer complaint received 2021-09-30
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. (SC)

I have sent in multiple documents to report fraudelent inquiries refuse to remove say they didnt receive documents last documents received 90 days ago but I have confirmation via fax and certified mail they have documents
Consumer complaint received 2022-08-02
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-02
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. (NC)

XXXX a dispute with Equifax XXXX XXXX XXXX. For an account with XXXX loan # XXXX. Opened XX/XX/XXXX the payment history and loan balance are incorrect. It shows me that I missed my XXXX payment but I paid the account on time in the month of XXXX. I also contacted the company myself and they didnt update the information with the credit bureaus either. Plus the balance on this account is paid off now since XX/XX/XXXX.
Consumer complaint received 2022-08-02
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: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 that a consumer reporting agency can not furnish an 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 purpose.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue distress and potential harm to my credit standing. Please see attached documents for these items I am complaining.
Consumer complaint received 2022-08-02
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. (TX)

Please see the attached letter from the court your company " verified '' the inaccurate bankruptcy on my consumer file confirming they do not verify any information with the 3rd party. are you aware that removing any information on a consumer file and then later adding it back without written notice is in direct violation of the FCRA? i'm giving your company a chance to fix this error before i seek litigation. i am keeping record of all responses from your company as evidence.
Consumer complaint received 2024-11-02
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. (MI)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/year>, I experienced an issue with XXXX XXXX XXXX involving an amount of {$1700.00}. I noticed a problem with this transaction and took action by filing a complaint. Despite this, the issue remains unresolved, and I have not received a satisfactory response or solution from the company.
Consumer complaint received 2022-08-02
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. (MD)

A Federal Agency is required by law to provide minimum due process not limited to proving the debt is valid and providing for a hearing decision with an appeal process thereafter before reporting derogatory information within a credit file. The Agency has not provided minimum due process. Because a properly and timely requested hearing was never provided for, among several shortcuts and oversights, many rights where not observed and minimum due process was repeatedly violated. The credit reporting Agency was notified of these discrepancies and failed to remove the erroneous premature derogatory reporting from the credit file within investigation XXXX. I notified the credit reporting companies that the Agency must verify the account is mine to include verifying the accuracy of the account and provide a hearing were an additional appeal is available all prior to reporting the account as delinquent. The credit reporting company states the federal agency certified the account was mine with no evidence provided for such determination and the credit reporting company took no position on the derogatory 30 60 and 90 days late reportings despite substantial evidence showing the account has been paid even while pending the active dispute. In addition, the accused also timely requested consideration for a waiver should the hearing decision favor the Agency. The hearing and the waiver requests are both pended thus collection efforts by the Federal Agency to include reporting derogatory reporting are all required to stop until decided and the appeal window has expired as a matter of law.
Consumer complaint received 2021-08-27
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: JPMORGAN CHASE & CO. (AL)

Checked my credit report and it shows hard inquiries from the following : XXXX XX/XX/2020 JPMCB CARD XX/XX/2020 JPMCB CARD XX/XX/2020 I've disputed these inquiries because I dont recall applying for these accounts. 
I think these are fraudulent. I would like the inquiries deleted from my credit reports. I've checked with the companies on the issues and was told that there's nothing they can do at this point.