davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

we had a 0 % for 18 months with {$8000.00} line of credit starting XX/XX/XXXX. 
all payments were done, by check, others by XXXX, and XXXX payments in cash. 
By XX/XX/XXXX. XXXX, we contacted Synchrony Bank Lowes Advantage Credit when we noticed the missing payments for the XXXX time on our supposed to be our XXXX Payment. 
finalizing at {$0.00} balance and enjoying the 0 % interest. Synchrony Bank said that we had several late payments and that we had a large balance that will be incurring the normal interest of 28 %, we mentioned that we have bank records of every payment and our total payments show an overpayment of {$1200.00} on that date XX/XX/XXXX. 
Synchrony Bank assured me to see into the account, they as fr copies of all checks and ePayments and we comply within 15 days wth all they requiered, there was no solutions. 
we continued making payments and we complaint again in XX/XX/XXXX, without results, by then we had over paid more than {$2000.00}. And again " no solutions ''. 
we moved to AZ, from TX in XX/XX/XXXX, we called to report our change of address and we found out they have not done anything on the file, again saying we were late. We explained that our bank showed more payments than the initial cal in XX/XX/XXXX. 
Synchrony Bank requested again our ban records and our check copies, we did comply by the first week of XXXX XXXX, sending a package with copies of all the checks and bank statements with all the ePayments to that day. still no answers, no solution, Synchrony Bank continues in XX/XX/XXXX claiming that we had pending payments, that we had missing payments, we did go over every payment over the phone and they admited that they have a credit of over {$2800.00}. 
The extreme on this issue was that this morning we received a call from SB saying that we have a pending balance of {$1100.00}, so, for the XXXX time we are filing a disputes. 
we send again all payment records on XX/XX/XXXX, showing that they recieved the payments and the previous packages, that we need to resolve this issue as soon as possible. 
no responses as the date of this complaint. 

According to our bank records as XX/XX/XXXX, we have overpaid about {$4500.00}. 

it is obvious that XXXX is having missing payments issues with more than just XXXX client. 
and since they offer no solutioons we are relying on you to assist us with this obnoxious dilemma with Synchrony Bank / Lowes Advantage credit.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XX/XX/XXXX Equifax Information XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute of Unauthorized Hard Inquiries and Identity Theft Dear Equifax This letter formally disputes three hard inquiries on my Equifax credit report that I did not authorize. The dates of these inquiries are [ XX/XX/XXXX ], [ XXXX XXXX ], and [ XXXX XXXX ]. These inquiries are [ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I have not applied for any credit or loans with these dates. I believe these inquiries are fraudulent and constitute identity theft. 

I have attached a '' relevant portions of a copy of my identity theft report '' ]. These documents demonstrate a lack of authorization on my part for these inquiries. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

in XXXX  A vent cleaning provider came by house and said they would charge me {$140.00} to clean my vents. I agreed but they charged {$5000.00} on my citi credit card. I called citi to resolve the unauthorized charge but they refused to help me. They instead reported to my credit report and this is the only negative account on there. I was mislead and the charge was fraudulent. The fact that Citi did not protect me as a consumer is extremely frustrating.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Please find below the accounts and inquiries associated with this data breach : Accounts : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$29.00} XXXX. XXXX XXXX CO Account Number : XXXX Date : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX CO Account Number : XXXX Date : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$260.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} Inquiries : XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.
Consumer complaint received 2024-10-30
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. (CA)

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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Account : XXXX XXXX XXXX Account # XXXX There are several inaccuracies listed on this account as follows : The Date of last activity is showing 3 different dates no way this is accurately reporting, The date of last payment is showing 2 different dates Close date does not match Last day of activity The presence of multiple dates for these fields is misleading and fails to meet the FCRAs accuracy standard ( 15 U.S.C. 1681e ( b ) 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXXXXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a recent data breach. Under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these inquiries be removed to prevent any further unauthorized access or potential fraudulent activity. 
Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (CA)

I currently have a property in escrow. Due to previous fraud, I freeze my credit. I contacted all three credit bureaus around the XXXX of XXXX. Equafax, on theyre automated system, said my credit is unfrozen. My banker tried to run my credit around the XXXX of XXXX. Both XXXX and XXXX sent the reports, Equafax would not release my credit to my banker. I contacted Equafax on XX/XX/XXXX, after a long wait I was connected to someone that could barley speak XXXX, in a noisy boiler room. That person stated my credit is unfrozen but they still could not release my credit report to the bank. I asked, how could my credit be unfrozen and frozen at the same time. The person responded with asking me to load a picture of my drivers license on an app ; which I did. After confirming receipt of my drivers license, the person said I have to mail identification documents through the mail. I said no, I have a property in escrow and need my credit release to my banker immediately, the person said they can not release my credit to my banker. I confirmed they confirmed my identity and demanded they unfreeze my credit and send the report to my banker. This person again stated my credit is is unfrozen but can not send the report to my banker. On the XXXX and XXXX of XXXX, I made several more calls only to get connected to a boiler room in XXXX. I was put on hold for about XXXX minutes to speak with a XXXX. The XXXX said there was some internal hold on my credit at Equafax, and would remove the hold. She stated my credit should be available within XXXX hours. My banker attempted to run my credit again after the XXXX hours, and could not. As of now my credit is still frozen by Equafax. I need XXXX to comply with the law and unfreeze my credit immediately so I can close escrow on the property I purchased. This is pathetic, I am forced to call XXXX and speak to people in XXXX world countries about my private credit details, it is obvious why there is so much credit fraud. I need the CFPB to get involved and make XXXX comply with the law and do what is required.
Consumer complaint received 2024-10-30
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 168b permissible purposes of consumer reports. 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. 

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 XXXXXXXX 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"