davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (WA)

On XX/XX/2017, I was at XXXX XXXX and they offered me a good deal on a credit card and had told me I'd be approved, if I applied for their credit card, so I did because they had informed me to do it because its smart. But to my surprise, it was declined. Therefore, it's a complete mistake as I would not have applied for it if they hadn't pressured me into it. I knew for my first credit card that I needed a secured one so i continued to get one after there misguided information.
Consumer complaint received 2018-07-11
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: TrueAccord Corp. (GA)

On XX/XX/2018, I received an e-mail from " XXXX '' stating that I had an outstanding balance of {$4800.00}. The bottom of the e-mail stated that this was a communication from a debt collector. Being unfamiliar with this amount, this debt, or this debt collector, on XX/XX/2018, I responded, saying " I do not acknowledge that this debt is mine and take no responsibility for it. However, I'm willing to pay {$300.00} to have this account settled in full and deleted from my credit report. '' On XX/XX/XXXX, I received an e-mail from " XXXX '', acknowledging my dispute and stating that he would file a dispute formally for me. He stated that they would reach out to me soon after they received more information from " XXXX XXXX XXXX '', signed " XXXX XXXX, True Accord Engagement Team, with an address I later used to dispute the validity of this debt. 

This same day, I e-mailed XXXX XXXX XXXX contesting this debt and received the response : " Your account has been transferred to our partner company TrueAccord and they should be contacting you to assist in resolving your outstanding balance with XXXX XXXX. Your current balance is {$4800.00} We encourage you to work with them to resolve this outstanding balance. To do so, please contact them directly at XXXX or email them at XXXX. '' Considering that they no longer and collecting the debt, I don't understand how they can continue to report negatively on my credit. Legally, they can not. 

XX/XX/2018, I sent TrueAccord a request to validate this debt via XXXX certified mail ( tracking number available ). This letter was received by an individual on Monday, XX/XX/2018 to the address listed in the e-mail I was first sent ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA ). This would have brought the amount of disputes for this debt up to two. 

As of today XX/XX/XXXX, I still have not received any correspondence from TrueAccord regarding the validity of this debt.
Consumer complaint received 2018-09-29
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, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX/XXXX XXXX XXXX  Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (DC)

Between XX/XX/XXXX and XX/XX/XXXX my debit card was illegally cloned as used for a number of fraudulent transactions totaling in excess of {$800.00}. JP Morgan Chase 's fraud detection and online banking updated failed to catch the fraud. When I finally phoned in to cancel the debit card and flag the transactions, I was told that I would not be refunded the full amount illegally stolen from my account, due to a 60 day fraud threshold the bank has in refunding stolen monies. I want to be made whole.
Consumer complaint received 2018-07-02
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, VP of Lending and XXXX XXXX, asst VP of Lending are falsifying my modified Equity loan with efforts of suppressing my credit score with Equifax, XXXX, and XXXX. I modified this Equity loan  XX/XX/2018, I've never been over 30, 60, 90, 120, 150 nor 180 as teported on my credit report. This Racially charged effort by both XXXX XXXX and XXXX XXXX has lowered my credit score and sabotaged my credit POWER as an consumer.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE XXXX DAYS NOTICE, AT XXXX AT XXXX XXXX BAD XXXX XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE XXXX YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
Consumer complaint received 2017-09-12
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. (CO)

Not only did Equifax not ensure the security of so much valuable information, their response has been awful. There seems to be no real follow-up, especially given their generic search tool to see if I have been impacted. The results are untrustworthy. Additionally, they have not done much to communicate the error. To top it all off, many of their executives sold off a bunch of their stock before this story hit the press. Seems a little bit too fishy for coincidence. It is very frustrating that a company with so much precious data would be so incompetent at securing it, especially regarding preventative measures. I have a very busy career, and am also regularly busy in my home life. It is difficult to know that for the foreseeable future I will have to take extra time navigating credit information to monitor all of my accounts more than normal, make sure that all IRS/tax issues are closely monitored, and will be constantly nervous that identify theft can potentially happen at any time, regardless of the precautions that I have taken to avoid it.
Consumer complaint received 2017-09-12
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. (OR)

I believe I may have been affected by the recent data leak of Equifax. As a precaution I will be submitting this complaint against Equifax on X/XX/2017. I will be taking other actions against Equifax to the best of my ability.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

To whom it may concern. 
We just learned that Equifax was hacked and over XXXX XXXX consumers personal information was breached. After reading up on the issue and deciding to put a credit freeze on our SS XXXX we went to the company 's website to realize that they wont allow people to put a freeze up online. Instead you have to write a letter and request a freeze by mail which can take up to XXXX days. That is outrageous and almost unbelievable how our government allows this company 's to garner all our information in the first place and allow lobbying to get away without punishment. This company should be prohibited to do any business in our country and be shut down. Furthermore, Equifax should be held responsible and pay for all damages incurred.I hope that someone in our government has the guts to address this problem and do what is right by the XXXX XXXX. 

Regards XXXX XXXX
Consumer complaint received 2017-09-12
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. (MN)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

According to a phone call to XXXX XXXX on XX/XX/XXXX,  someone tried to apply for a new credit card using my social security number. This is likely a result of the Equifax data breach.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My information was leaked by XXXX. XXXX and TransUnion ( I 've contacted both for several hours each ) are refusing to give a security freeze without " protection '' money. They maintain that I have to have wait for someone to commit fraud with the XXXX breach, bring the fraud case to the local PD, and then mail them the police report to get a free security freeze. Essentially, after my credit is destroyed, they 'll give me the freeze ... We all know that it will happen, it is n't an if, but a when, and yet they refuse.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/XXXX I checked my account online with CapitalOne Credit card that I have had sinceXX/XX/XXXX I have had excellent credit with them and have always kept a credit " limit '' of only {$1500.00} as I DO NOT wish to get into debt but keep this card for the purposes of increasing my credit score. When I went online today I noticed that we had an " increase '' in credit limit by {$2500.00} which we DID NOT request and when I called to find out why the lady on the phone claimed that it was standard that they proactively increase consumers credit without their permission to assist with emergencies, I also did a chat with them which I can attach as a pdf file to show that they had intentionally wanted to keep me in a higher debt ratio WITHOUT my permission to increase my limit, they had threatened to remove it and lock my account for 5 YEARS. I spoke to XXXX XXXX in Virginia who was very rude and said they would lock the account and then XXXX XXXX and XXXX who all claimed that they can increase our limit without our permission. This is now effecting our credit rating as we keep our debt to income ratio low and now they have increased the credit line which does in fact effect our score.
Consumer complaint received 2017-09-12
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. (WI)

This is regarding the Equifax breach. I am upset because all of my personal information is now publicly indexable. While they are also a victim as well, they have information on about XXXX XXXX Americans and there is no way to opt-out of their information gathering. They should have held that information in the strictest of confidence.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax website does not respond or malfunctions every time I make a request for a free annual report. This has happened at least three times when I tried. Something is wrong with Equifax 's consumer reporting website, it does not follow through or complete the reporting process without some sort of glitch voiding the transaction.
Consumer complaint received 2017-09-12
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: Midwest Recovery Systems (NC)

Midwest Recovery System placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account onXX/XX/XXXX in a checking account that I have opened since XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. Midwest Recovery System states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from credit report.
Consumer complaint received 2017-09-12
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: Experian Information Solutions Inc. (MO)

My granddaughter and I  have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same social security number. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX XXXX and they told me I needed to file a complain with XXXX. This is not the first time this has happened and I would like for it to stop.
Consumer complaint received 2024-09-09
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. (OH)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ). i'm now requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Due to the Equifax security breech i am attempting to freeze my reports at the various credit reporting agencies, ALL of whom have made it a herculean task. None as bad as XXXX and Equifax themselves. 

1 ) XXXX makes you register and then deems your security answers to be false when they are not. Literally locking you out of the system. They have no way for contacting them other than via phone. which is time consuming and a long wait. This is a deliberate diversion to keep you from freezing your report. Also, I suspect that given my age, XXXX, and the fact that putting a freeze on my data is suppose to be 'free ', they are deliberately discriminating. 

2 ) Equifax, the guilty party that has created all this chaos has a broken web site. AFTER you spend 20 minutes doing data entry you can not actually follow through with a 'freeze ', the link just goes round and round and dumps you out. So they are incompetent as well. Perhaps the multitudes are freezing their data on this site and its overworked but surely they should be able to accommodate it. 

Finally, WHAT is the logic in making anyone, regardless of age, have to pay to freeze their reports? All agencies do this. This is consumer madness especially since in order to protect your data you now have to pay the company that allowed the breech to begin with. That 's like having to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a second time. Are you kidding me. They should be providing everyone with a free freeze and you should be forcing this to happen..
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I am having an issue with equifax. i have spent over 7 hours in the last two months on the phone with them trying to straighten out my credit. I subscribe to their online credit monitoring. and one of my problems that they ant explain to me is why my credit score keeps dropping XXXX points or more almost everyday I pay my bills ontime every month. XXXX accounts on equifax are fraud 1. XXXX 2. XXXX. i was on the phone today for a little over 3 hours trying to get answers and all i received was the texas two step. please help me. my score was XXXX now XXXX and less then 2 months and they cant tell me why..I also filed a police report with them showing that the items where a fraud accounts.