davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I contacted Equifax due a data breach with another service. I contacted equifax and informed them of the problem also this as my reason for XXXX XXXX as I could, it access the reports or the the offered free score on line. I confirmed my identity with My full name, address, social security number, home mailing address, my student loans a, car loans, banking information, name of all employment including being owner of a business, I confirmed my bank accounts checking, business and personal. With all the information give. I was advised to respond to a truest with and also go online to a browser. At this point I disconnected the call. I feel equifax is discriminatory against XXXX XXXX w in its credit reporting and products or services. I have files over a dozen complaints again equifax due to my reports being outdated. Zombie debt collection account not being removed. I have also submitted my DL, and social security card as proof of who I am. Yet this is still not enough. The archaic measure that are in place to prevent XXXX XXXX XXXX from obtaining credit and other financial relief is intended to keep a race of people in poverty. There should, ever be a time where anyone should have to submit massive amounts of information just to GET A COPY OF THEIR CREDIT REPORT AND TO SEE HOW THIS CREDIT AGENCY IS REPORTING THEIR PERSONAL INFORMATION TO THE WORLD. I firmly believe all 3 major credit reporting agencies are discriminatory in its practices against XXXX XXXX XXXX
Consumer complaint received 2021-03-28
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. (CA)

I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my XXXX  / Equifax and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though XXXX  / EQUIFAX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (KS)

Case number XXXX On XX/XX/2021, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX ks XXXX Can you explain to me how a XXXX has tried to falsify a debt thats never existed? I made all payment s on time last payment which brought my account to XXXX was on XXXX XXXX the account was closed due to inactivity. But I owe nothing my balance is XXXX  and everything then a year later XXXX makes a falsified account. I never even had a late payment. I would like this removed and actions taken against them for falsifying information and for the slander that they have put towards my name I would also like the credit inquiry from either sycnbn or JCPenney removed if one exist. So for 6 years this company has wrecked my credit and name. Im going to need monitary compensation due the the harm they have done plus its criminal activity fasify documents and harassment slander impact on my credit.And {$750.00} is not enough. I see I have grounds for a lawsuit
Consumer complaint received 2021-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (AL)

Acima works with a vendor ( s ) who sell faulty goods ; I purchased two necklaces totaling {$5800.00} ( paying on weekly basis ) on XX/XX/XXXX ; I entered the agreement on good faith, that the jewelry was in-fact real ; one month or so later pieces began to fall off and tarnish ; the seller made me believe it was real ; I contacted Acima to inform them that the jewelry wasnt what I expected for the cost ( via email ) ; Acima responded by saying, u have received this email because you have requested a return of the XXXX gold chain and charm silver necklace with stone leased through Acima, and initiated at XX/XX/XXXX XXXX In order to begin the return process and suspend renewal payments on your lease account, please do the following : Send pictures of all the leased property to XXXX include your telephone number ( s ), and email address, XXXXThis lead me to believe the actually cared about costumers concerns, especially with {$5800.00} cost tag. They later emailed me back after I sent the pictures stating that, Settlement : Acima can offer you a settlement of ( {$1400.00} ) ; This lead me to believe I was infact getting a refund, so I called to confirm my payment, not once did they say you have to pay us during the call, until i asked why would my card decline if i was receiving a refund. It was until then the stated no refund and you have to pay the settlement ; i then asked why would i pay for something that much that wasnt worth the money from the beginning ; I was mislead, I then told them i would call back at a later time to discuss my final discussion on how i would proceed with new information, I informed to stop taking paying from my account and that I would call back ( after my legal paper were sent ) ; but instead they continue to withdraw funds from my account without my permission, this constitutes fraud, deception, unfairness, oppression. ; i had to move the money in a different account so they wouldnt take it, overdraft fee accured ; Acima offers no protection to the client in the case of bad goods, kind of like a lemon car ; it was never a sold as is kind situation. I asked for a full refund. Acima contact XXXX ; violates 15 usc 1692, false rep of character amount.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

" 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 2022-08-22
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: ALLY FINANCIAL INC. (GA)

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 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 purpose.
Consumer complaint received 2021-10-31
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. (FL)

Good Morning, I have had my vehicle loan with XXXX XXXX for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to XXXX XXXX stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance
Consumer complaint received 2021-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TN)

I had a bill for XXXX XXXX XXXX it was paid this debt collector I.C. system I have no knowledge of them and this bill and cant get them to talk to me. I have called for two weeks straight everyday. 
Amount is XXXX Don't have dates.
Consumer complaint received 2021-11-01
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. (NY)

Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : You Violated the United States Code Law There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments.

15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments. They should all be removed from my consumer report under 15 USC 1605 ( a ).

As a consumer by law these accounts on this letter must be updated to paid as agreed immediately or I will seek monetary damages for violation of my right 15 USC 1605 ( a ) in small claims court in my city and state under 15 USC 1681n civil liability because I have been violated. Also, I already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 

XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-10-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CO)

I closed on selling my home in Colorado on XX/XX/21. Since closing, I have called US Bank Mortgage to request a refund of any remaining escrow, to verify that the correct payoff amount was given, and to update contact information for any correspondence that may necessary to refunding my escrow account. Since XX/XX/21 I have tried calling their mortgage customer service number 3 times and each time I can not get any person to talk with me. Ive been on hold for 25 minutes, 8 minutes, and 21 minutes. Ive called the main US Bank phone number today, XX/XX/21, and the representative tried very hard with different numbers she had available to her and we still could get no one on the phone. I reached out to their corporate number to complain and seek resolution, but the corporate number redirects to the 24/7 general customer service number. I can not reach anyone in their mortgage department and the customer service representative today was unable to do so, too. They have no email address for customer service or any other means to contact the mortgage department beyond the 800-number than no one ever answers. I can not even leave a message anyone.
Consumer complaint received 2021-10-26
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. (TX)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 270 days and ( 6 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2022-08-22
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. (TX)

FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2021-08-30
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. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (TX)

Sir I'm XXXX on XXXX. I have account on XXXX & I seen a swimming pool on sale for 72 hour at the first of summer XX/XX/XXXX and that Index pools and know that brand had one for years and needed another one cause my plumbing is not working. I got one to bathe. Never got the pool. Pay Pal gave them the money before I got the pool. Never received the pool I been with out .I Disputed it came back declined. Can you help me get my money back I waited 2 weeks never came. So XXXX and PayPal is not doing things right. Right is Right Wrong is Wrong Good is the only way to do. Thank you for your time and concern.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NJ)

Cancelled my XXXX XXXX in XX/XX/XXXX. They created a new account in my name by mistake. This was fixed in XX/XX/XXXX, and confirmed by XXXX. However their accounting still send me to a debt collector ( again by mistake ). This was fixed in XX/XX/XXXX. Same info has been communicated to the Debt collector. But they do no care and keep calling me 2-5 times daily. When I tell them that the issue has been fixed they simply hang up on me. 
half the time they are rude, and sound XXXX to be honest. I have blocked all the numbers they are calling from, but still calls are getting through from new numbers. I consider this as harassment.
Consumer complaint received 2021-10-25
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. (AL)

I sent letters to Equifax, XXXX and XXXX in XX/XX/2021 and I did not receive any written responses to my dispute letters. So, I resent the letters in XX/XX/2021 for no response to my initial letters. Still NO RESPONSE. I sent another batch of letters in XX/XX/2021. And again, NO RESPONSE. At this point I'm frustrated and disappointed that they have failed to conduct a proper investigation concerning the inaccuracies on my credit report. I've given them more than enough time to investigate and respond.
Consumer complaint received 2021-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NJ)

I received a collection letter from XXXX XXXX on Friday XX/XX/21. XXXX XXXX is found in Texas. I have never lived in Texas and did it authorize these accounts to be opened. Someone has my social security number in Texas and Im a victim of identity theft. 
This thief opened 5 energy bills in 5 different Texas locations. They were never paid off and they never left a credit card on file or anything to trace back to them. They used my maiden name and social to open these accounts. 
The cred collection company Penn Credit Corp. is aware as I called them right away on Friday when I received the notice of collection. The account number is XXXX. When I called the collection company they actually made me aware of worse news that I have 5 accounts not just one as stated in the letter.
Consumer complaint received 2024-10-23
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 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 2021-10-25
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. (WA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 223 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.