davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I am writing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) to dispute an item of inaccurate information contained in my credit report, which your company has verified. The inaccurate data in question pertains to the open date associated with the account XXXX listed on my credit report. 
I have recently obtained a copy of my credit report from XXXX, and upon careful review, it has come to my attention that the open date for the aforementioned account is still inaccurate. I never opened an account with neither XXXX XXXX nor Helvey & Associates in XXXX XXXX XXXXhis discrepancy has a negative impact on my creditworthiness and financial reputation. I have been denied credit and housing due to this error. 
I believe this error can be traced back XXXX, not the original creditor or a previous debt collector who sold the credit file. However, as the current data verifier, your organization is responsible for ensuring the accuracy of information it furnishes to credit reporting agencies, as outlined in Section 607 ( b ) of the FCRA. 
Having identified this discrepancy, seeing as though Ive already kindly requested that you investigate and correct this information promptly, I now request this record be removed from my credit file as it is a violation of my rights and can be punishable with a {$1000.00} fine. The FCRA stipulates that consumer reporting agencies must conduct a reasonable investigation within 30 days of receiving a notice of dispute. I can no longer trust that you will undertake this investigation promptly, considering my rights as a consumer and your lawful obligations have already been violated. 
Please note that the inaccurate reporting of this account 's open date has a direct impact on my creditworthiness, financial standing, and overall consumer experience. Additionally, I request that you inform all credit reporting agencies to whom you have previously provided this erroneous information, as per Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 
I am sure that you understand the importance of maintaining accurate credit information, not only to protect my rights as a consumer but also to ensure the fair and efficient functioning of our credit reporting system. 
Thank you for your immediate attention to this matter. I hope that we can resolve this dispute amicably and ensure the accuracy of my credit report. Your cooperation and timely response are greatly appreciated.
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
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. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account, and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated.

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score.

A written confirmation of the resolution, including the date when the correction was made.

An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner.

I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report.

If my concerns are not addressed within the exact time frame from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX : {$2500.00}.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I trust this communication finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I have faced in attempting to remove charge-off accounts from my credit report. Despite multiple attempts, I have not witnessed any successful resolution to this matter. 

The charge-off accounts in question are adversely affecting my credit score and financial standing, and I have diligently followed the proper procedures for disputing and rectifying these inaccuracies. Unfortunately, the persistence of this issue has left me with a sense of helplessness and concern for the impact it may have on my financial well-being.

I would like to outline the instances where I have reported the charge-off accounts and the corresponding attempts for removal : Despite my sincere efforts to rectify this situation, the charge-off accounts persist on my credit report, creating a significant impediment to my financial health. 

I am formally requesting an immediate and thorough investigation into these matters, aiming to identify the root cause of the recurring inaccuracies. Furthermore, I expect prompt action to rectify the inaccuracies on my credit report and to prevent any further hindrance to my financial stability. 

I am willing to provide any additional information or documentation necessary to support your investigation and resolution process. I trust that you will address this matter with the utmost urgency and seriousness it warrants, ensuring a swift and effective resolution.

Failure to resolve this issue promptly may force me to escalate my concerns to relevant regulatory authorities and seek legal remedies to safeguard my rights as a consumer. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8000.00} ; XXXX  XXXX Balance : {$2600.00}.
Consumer complaint received 2024-02-06
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. (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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IN)

I had a checking account with US BANK for roughly 4 months. In this time, my US BANK account was overdrafted due to the outrageous fees they charged to my account for a slight negative balance. On XX/XX/XXXX, the {$600.00} stimulus check was deposited into this account, to which I only received {$100.00} from. From what I have learned from the IRS  and US BANK themselves, it WAS ILLEGAL for them to take and withhold ANY amount of my STIMULUS check from me. I have contacted US BANK twice now, both through phone call. I have been given the same answer from 2 different representatives ; that their 'manager ' was in a meeting and would call me later that day. I NEVER received a call back. This is illegal and I want my stimulus check.
Consumer complaint received 2024-02-06
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. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-12-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (UT)

I purchased a washer and dryer set from HomeDepot.XXXX which was on sale for Cyber Monday. The total came to {$1700.00} and at the bottom of the checkout page it said : " GET {$100.00} OFF* and pay {$1600.00} instead on your qualifying purchase, plus receive 6 months everyday financing** on purchases over {$290.00} when you open a new card ''. 

I clicked on the Apply Now button, went through the process to open a Home Depot credit card and when it brought me back to the checkout page and applied the {$100.00} off credit card promo it actually raised my total by {$100.00} to over {$1800.00}. 

I called Home Depot customer support and they put me on hold for a while to look into it. When the man came back on the line he said that I had a washer and dryer promo applied for {$200.00} off and I could not apply the {$100.00} off promo on top of that so it was removing the {$200.00} promo, applying the {$100.00} off promo and instead of dropping my price to the advertised {$1600.00} it was actually raising it to {$1800.00}. He said that the credit card ad appears at the bottom of all checkout pages and I can not get the {$1600.00} price advertised and offered me a 10 % off coupon for my next purchase. I declined the coupon and told him that I only applied for the credit card because it said my price would drop to {$1600.00} and I have no use for a Home Depot credit card and I want the card closed and credit pull removed from my credit history if they can not honor the advertised price. He told me to go ahead and do that. 


The website is purposely misleading and leads people to think they'll get {$100.00} off THAT purchase. It even said {$1600.00} in the ad! I take issue with that because they literally took my {$1700.00} cart total and deducted {$100.00} in the ad but then did not honor it or make it clear that I had a conflicting promo applied to my items. This is a clear " gotcha '' to lure people into applying for their credit card. I've attached screenshots for reference.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX : {$250.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (IN)

This issues is in regards to XXXX XXXX XXXX XXXX XXXX   and XXXX, information provided on their customer portals, and information given by service representatives over the phone. I believe the company is providing misleading information and does not have consumer 's best interest in mind. 

I have been paying off my student loans for the past 2 years. I have never missed a payment and decided I wanted to be slightly more aggressive with paying off my loans. For this reason, on XX/XX/2019, I made and additional {$500.00} payment outside of my scheduled monthly payments. My goal was to pay off my loan with the highest interest rate. 

Great Lakes does have an option to specify which loan your extra payment will be applied. However, they also have statement on their webpage saying " Once your scheduled monthly payment and all outstanding interest has been paid, we automatically apply any excess payment amounts to the loan with the highest interest rate, thus costing you less interest over time. '' This statement is telling you what will happen if you do not select a specific loan for the excess payment to be applied. 

A few days later, I logged-on to my online portal to ensure the {$500.00} was applied to my loan with the highest interest rate only to find that the excess payment had been distributed across all of my loans. I have 4 loans serviced by Great Lakes with amounts varying from {$2000.00} to over {$30000.00} ( perks of XXXX XXXX ) with interest rates varying from 3.15 % to 6.55 %. 

I called to inquire. I thought it might have to do with the timing of the extra payment in relation to the monthly scheduled payment. 

The customer representative who spoke with me informed me that 1 ) excess payments are not automatically applied to the loan with the highest interest rate but rather my excess payment had been distributed in my " best interest '' with a high percentage going towards loans with higher balances and 2 ) I needed to specify if I wanted the excess payment applied to a certain loan. 

The information shared over the phone and what is happening in practice goes directly against information provided on the website. More alarming was the pressure from the service representative to pay-off higher balance loans rather than higher interest rate loans.
Consumer complaint received 2022-02-03
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. (NY)

I have tried on multiple occasions to obtain investigation documentation that verifies the validity of the two charged off accounts that are being reported by XXXX XXXX Bank. I have screen shots that show how the accounts list multiple different dates for " date of last payment '' and now today, as a result of a dispute I conducted with Equifax - one charge off is showing 90 days past due 24 times when it used to list zero. This has dropped my credit score XXXX points. Aside from that fact that this seems like retaliation, if that information was factual it should have been included in the reporting when the account was charged off over 6 years ago. Both of these accounts should be removed from all three credit bureaus or XXXX XXXX needs to send their investigation results/verification of the debt directly to me. This company is a predatory lender and can not just send template responses to what is a simple request- where is the proof that this debt belongs to me and why are there multiple reporting discrepancies across the three bureaus?
Consumer complaint received 2021-01-30
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: HW Holding, Inc (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes my credit transaction suffer because it was harder and longer and so, I would like it to be taken care of.