davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (FL)

My husband has passed away in XXXX XXXX. The only credit card company that contacted me was XXXX XXXX. They left me keep our account with them and I charged the funeral and dinner for everyone on that credit card. As soon as I returned home, I paid that card off. The other companies did not even have the decency to call or notify me. My husband had been ill for almost 2 years, and I have been managing all accounts for years and with my own invested money. Quite a few of the companies were informed of my husband 's death by Social Security. XXXX XXXX, XXXX XXXX  ( that just closed the account ) My credit and his was actually in the high XXXX 's and XXXX. There are closed accounts that I was just a user and now closed but it gives no reason why they have closed al of the accounts in his name which are making my credit look bad and decreasing my scores. I am in the process of moving and wanted those accounts to honor me the cards because we have had 24 years of excellent credit and why should I have to suffer for him passing. I feel those accounts should be removed from my credit if they are harming my score. We have been a customer of XXXX since XXXX. We started out with using our XXXX XXXX at the time we opened the account. in my name. Then they did away with XXXX  and added XXXX XXXX. We have been a credit card holder with them until now. I applied for the card when they told me they closed the account and have now received a letter stating they are unable to approve my application because my credit report shows insufficient credit history. I have taken care of our accounts for the past 15 years and our credit is excellent. Experian is the one that has done the damage to my credit. I do not understand how they have all this ability to hurt people by their comments. It is so wrong. And you can't even speak to someone to get it corrected. Now a widow and trying move back to my home state, I hope they have not ruined my chances for buying a home too. I feel they have too much to control our lives. 
Thank you for your time and help with this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Submitted a dispute for a credit card Account beeing opened up in my name due to fraud, I sent it by way of XXXX mail XXXX. To : JPMC Bank, they never responded back. But yet this bank has pit this balance on my consumer report. Had this company Done their due diligence and answered my dispute they wouldve have seen XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order company of to answer this complain
Consumer complaint received 2024-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc (IL)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Affirm Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Form 1099-C Dear Affirm Inc. , I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am filing this complaint against Equifax for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite providing a police report and FTC Identity Theft Report, Equifax has failed to remove the following fraudulent accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2.

Violations : Failure to Block Fraudulent Accounts in Violation of 15 U.S. Code 1681c-2Under 15 U.S. Code 1681c-2, Equifax must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent accounts remain on my report : XXXX. XXXX Bank Account # : XXXX : {$1700.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX : {$800.00} - Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX : {$1200.00} - Opened : XX/XX/XXXX Violation of XXXX XXXX Code XXXX - Permissible Purposes of Consumer ReportsEquifax continues to furnish my credit report to third parties without my written consent, in violation of 15 U.S. Code 1681b XXXX I did not authorize the reporting of the above fraudulent accounts, which constitutes identity theft.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The following account was charged off as of XX/XX/2023 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

My account with XXXX  XXXX, XXXX, AND XXXX XXXX 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.

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. 

XXXX XXXX, XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit repair journey began in XX/XX/2024. I called and reported Name, address and account discrepancies with each agency, XXXX, XXXX and Experian. Then I filed a complaint with CFPB to remove negative reporting after attempts in writing to correct accounting with each creditor on my report. Notices of Billing Errors were sent to each creditor along with 1099s to alert them to their fraudulent claims and negative reporting to each credit reporting agency. Some of the reporting was removed but as of today the reports are not identical and are still showing negative remarks. I requested these to be removed in writing to each agency on XX/XX/2024. See XXXX 's copy of letter below highlighting each of the elements in the report that needed to be corrected and they Code 's and consumer laws supporting my demands. I am including the current credit report comparing each agency 's report and they are still not showing the updated/correct information and most are incorrect.
Consumer complaint received 2024-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I made a payment to Kohls. Always pay full balance. Per my bank ( when looking at back of check ) Kohls cashed it but assigned it to the wrong account. My correct account number was typed on the front of check. It was cashed and posted before payment was due. I sent a copy of the front and back to the address they provided. They still whacked my credit score and sent another letter about them being unable to research payments sent through your banks online XXXX XXXX service. Please help. 
XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Subject : Dispute of Unauthorized Personal Loan Reporting Dear, I am writing to formally dispute an entry on my credit report related to a personal loan reported by XXXX. I have reviewed my credit report and found an entry for a loan that I did not apply for or authorize. This entry is inaccurate and violates my rights under the Fair Credit Reporting Act. 
Details of the disputed entry are as follows : Creditor Name : Experian Account Number : XXXX  Date Opened : XX/XX/XXXX I have never initiated any application for a personal loan with XXXX, nor have I given permission for any such transaction. Therefore, I request that you investigate this matter promptly. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report, and I am requesting that this entry be removed from my report. 
Please conduct your investigation and provide me with the results. I would appreciate a written response confirming the removal of this unauthorized entry from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (ME)

My lowes card got locked and online it told me to call in back in XXXX They want me to upload a video of myself confirming my identity I said XXXXXXXX XXXX 

They said they would mail paperwork but never did I have usps informed delivery so I can confirm they never sent me anything In the world of deep fakes and data breaches I do not consent to a private company storing a video of me looki g around and confirming my identity on thier private servers! 

I have fraud alerts on my credit reports at time of opening all 4 synchrony bank accounts and they never once asked for this to verify my identity back then. 

They refuse to talk to me. 

I mailed payments on the XXXX and they received all but the 1 for my lowes card I want a reply and help from corporate officer, I didn't not need to do this for any single company, not even for them when I opened my accounts even though I have identity theft alerts but 3 years later they now want a video of me??? 

I smell data breach and fraud with this " bank '' and I use that term very loosely. 

My card got mailed to me, has been used 1 time in store and had always been locked in a safe in a house with cameras and a full alarm system. 


Who lost my info if I didn't and they are the only other ones that have it???
Consumer complaint received 2024-10-09
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. (TX)

On XX/XX/XXXX, I contacted XXXX 's credit department after receiving a letter indicating that my monthly statements were not being sent to my email. The letter prompted me to reach out to rectify the situation. I confirmed that my email address remained unchanged and was functioning properly. Despite this, I had not received any statements from XXXX. During the call, I explained my situation to an agent at XXXX, but when I attempted to verify my account, I encountered another issue : the security code needed for verification was not being sent to my registered phone number. 

After explaining this problem, I was transferred to several different departments throughout the call, but despite my efforts, the issue remained unresolved. No one was able to provide a solution to why both the email statements and security code verifications were failing, and by the end of the call, no progress had been made in fixing either issue. 

Later that evening, I received notifications from all three major credit bureaus informing me that I now had a balance on my XXXX credit account. This development immediately caused a decrease in my credit score, which was both unexpected and concerning. The sudden reporting of the balance on XX/XX/XXXX seemed out of place, as my billing cycle for this account is on XX/XX/XXXX, and my payment due date is on XX/XX/XXXX. This raised the question of how XXXX could have submitted my account balance information to the credit bureaus well before the normal reporting date, especially when I had reached out that same day due to communication issues. 

This sequence of events has caused significant confusion and frustration. Not only was I unable to resolve the issues with my account and the missing statements, but I am also now facing the added stress of a drop in my credit score, seemingly caused by a premature reporting of my account balance. Given the circumstances, I am seeking clarity and resolution regarding the premature reporting and ensuring that my account 's communication channelsemail and phone verificationare restored to proper functioning.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: The Aligned Company DBA Extra (MI)

on XX/XX/year> XXXX sent a refund in the amount of {$220.00} to my account through Extra XXXX XXXX that I no longer have as I closed the account several months ago. I contacted Extra to see what needed to be done to get the refund sent back to my priary bank ccount which the extra acount was linked to and I was told that it hould be processed and on it's way back to me in XXXX business days. Then that became XXXX business days. The they tried to tell me that it had been sent which it was not as my back verified that nothing had been sent to my account by Extra XXXX XXXX ( see attachments from bank account showing nothing from extra ). I have contacted them over and over again about this and all I continue to be given is more excuses about their system processing everythin and that they will get back to me which they don't as I end up having to contac them over and over again asking the same question regarding what is the hold up as it's now been XXXX weeks since this all began. And i've explained to them that my patiance is really thin at this point as it does not take this length of time to refund someone their money. They have NO RIGHT to continue holding it and I simply want my money returned to me ASAP.
Consumer complaint received 2024-10-09
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. (SC)

I am writing to formally dispute a charge-off reported by XXXX XXXX on my credit report, as I believe the circumstances surrounding this charge-off were based on misleading and deceptive information provided by XXXX. 

On XX/XX/year>, I received a text message from XXXX XXXX stating that my account would be charged off within 5 days unless I resolved the issue I promptly reached out that same day explaining my financial hardships. The very next day XX/XX/XXXX, I received a communication from XXXX indicating that I had 30 days to rectify the situation as well as giving me a case number. Despite the XXXX notice, XXXX proceeded to charge off my account before the XXXX period had elapsed. 

When I contacted Ally to clarify this, I was informed that the agreement was no longer valid due to XXXXXXXX XXXX XXXXXXXX I was never made aware of beforehand. As a result, the charge-off was processed under deceptive terms, which directly impacted my credit standing. Today XX/XX/XXXX I reached out again for the XXXX time to try and get a fair resolution to this situation, I asked to speak to the supervisor I was on hold for a bit and then told she was unable to speak with no clear reason as to why, I asked to please have her call me back then as this is my livelihood on the line and they proceeded to tell me they could give her my contact information but she was not likely to call me back to address my situation. 

I am requesting that Equifax investigate this matter thoroughly and remove this inaccurate charge-off from my credit report. I have attached the supporting documentation, including the misleading messages from XXXX, to substantiate my claim. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/1976. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Resurgent Capital Services L.P. (CA)

I contacted XXXX XXXX  and filed a complaint through CFPB. The interest rate was extremely high. I was paying them and struggling to pay my other bills due to XXXX. Although I was paying them, since the interest rate was so high I the amount due wasn't decreasing. They sold the account to LVNV Funding. I was notified by either company until I saw the XXXX negative reportings on my credit.