davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

I have received notice of debt owed by a company called XXXX XXXXXXXX XXXX in the amount of {$5300.00}, from an ashley card ( Sychrony bank XXXX 6 months ago, as my health was fading I reached out to Synchrony online in regards to me being XXXX XXXX XXXX and requesting hardship or help in some way. I was ignored and the debt was sold. In the terms of the card, it states there are remedies if you become XXXX but I guess it doesn't apply to Veterans. The balance just goes up and the debt is sold. Why was my request ignored and why does the balance continue to grow? This is shameful, I am a XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (AZ)

I had struggled for years to make my minimum student loan payment and put food on the table for my young son. I was advised by representatives working at Navient to defer my payments until I was in a better situation to pay my debt. The result of multiple deferments over several year was tens of thousands of dollars in additional interest being owed. I have made significant ground in paying down this debt and I do believe that I should be expected to pay back what I borrowed plus reasonable interest, but my liability was nearly doubled by following the advice provided by Navient.
Consumer complaint received 2024-09-18
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. (MI)

I have been in contact with Equifax about this situation multiple times and nothing has been done. That is against the law as well. To tell a credit reporting agency that this item doesn't belong on your consumer report and it actually doesn't, but they company refuses to remove- is a crime.

15 USC Chapter 41 subsection 1681c states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The record for XXXX XXXXXXXX XXXX XXXX  years as it became delinquent in XXXX of XXXX. Equifax refuses to remove this from my report.
Consumer complaint received 2024-09-18
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. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My account with those creditors 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 in those account 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.

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 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I have few transactions from the XXXX XXXX payments deducted from my account in the amount of {$7400.00}. These payments from several months. It not showing on my XXXX XXXX statement that the amount was deductible from my checking account. I called XXXX XXXX and they told me to contact my bank because these several payments were not deductible from XXXX XXXX bank. I contacted my bank PNC they saw all my transactions and verified that these transactions are fraudulent and they have open the new account and disputed to the bank. But after few days they have send me the letter that they are denying my all disputes which are total XXXX disputes from XXXX XXXX. I went again to the bank and met with the XXXX XXXX XXXXXXXX showing the denial letter and showing all the transactions with XXXX XXXX bank payment history for several months. She have verified all the transactions and talked to the disputes department and refile my disputes. After a week I received another denial letter from the bank.
Consumer complaint received 2024-09-18
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)

XXXX is reporting information on my credit reports also has another company the operated with sister company to report information thats not accurate I keep getting denied because XXXX is reporting accounts thats is do from identity theft I sent police reports and ftc report copy of my id gas bills to show proof of my identity but for some reason XXXX remove the debt than added it back on saying the companies sent them a police reports to add it back on I ask to get a copy of what ever they had to prove the debt was validated I was than told to contact the actual company which I did and get no where they refuse to speak with me and also I think they running crime organization by selling debt and keeping it on a some type of payment but each time they denied me I was denied credit and could be losing my home do to the poor action they refused to investigate the matter. please help me XXXX keep saying the accounts was remove but they are not I showed on my cfpb accounts they removed the accounts but on my credit report they did not I also will showed that the agents is operating my personal information telling me I cant dispute because I need a new reason to do so.denied me a complete accurate credit report. my point went from XXXX to XXXX there something wrong they also reporting on different account which is not accurate on XXXX and XXXX XXXX is diffrent and on scoresenses is not reporting the same diffrent date inquiry and my addresses I dont give XXXX permission to sell or give my information to any one I also know they reporting transaction date in giving personal information my credit report without my permission I dont think its fair for any comapines to give out personal information putting me in danger to be hack hurt or stalk I wish to get help with this matter. accounts is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX dpt educations XXXX XXXX I also gave police reports and ftc reports so they can remove the accounts.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX is using an illegal method to report these amounts on my credit/consumer report. 15 USC Chapter 41, subsection 1681 c states, " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veteran 's medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veteran 's medical debt and the consumer reporting ... '' XXXX XXXX keeps updating my payment date to keep this on my credit report. I have never made a payment on this account and it is over XXXX XXXX XXXX. They also can't furnish proof of a recent payment. This is illegal and I want every single payment that is more than XXXX XXXX XXXX removed.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OK)

I did not receive a letter of verification of debt. I was never contacted on this issue. I'm not even sure it is even my debt they are trying to collect. I believe it is a false derogatory mark on my credit.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX is reporting a 30 day late payment on all 3 credit bureaus from XXXXXXXX XXXX XXXX. I've originally reported this as incorrect and XXXX deleted the 30 day late payment for several months. Just recently they have reported that same 30 day late payment again when it was removed from the first time I disputed this. I have summitted several disputes to have this corrected and nothing is being done about this. As a result of this I can not refinance my home or can not get another auto loan due to this 30 day late payment.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (KS)

I had around {$430.00} in XX/XX/year> in my chime checking account and they stated that there was fraudulent activity in my account and there never was any fraudulent activity. I have been fighting for these funds since last year and they even stopped responding to my calls amd my emails.
Consumer complaint received 2024-09-12
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. (NY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/year>
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (AZ)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several items that appear on my credit report. After reviewing my credit report, I have identified several inaccuracies and unauthorized inquiries that need to be addressed as soon as possible. 

Firstly, I noticed that my personal information is incorrect. Specifically, my previous addresses were reported incorrectly. The addresses listed on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I have never lived at either of these addresses. 

Additionally, I have no recollection of authorizing credit inquiries by several companies, including 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 and many others. These unauthorized inquiries are damaging my credit score and I demand that they be removed immediately. 

Furthermore, I have noticed that some accounts on my credit report have incorrect information, such as late payments and incorrect balances. Specifically, account number XXXX with XXXX XXXX XXXX XXXX is reporting incorrect late payments, which have not been updated. I demand that these incorrect late payments be removed from this account immediately. 

Accounts with 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 need to be verified and corrected or deleted from my credit report. 

Lastly, I do not recognize the accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never had any business relationship with these companies, and therefore, these accounts are not mine. Account number XXXX with XXXX XXXX XXXX XXXX and account number XXXX with XXXX XXXX XXXX XXXX should be removed from my credit report immediately. 

I understand the importance of maintaining a good credit score and I hope that you will take the necessary actions to correct these inaccuracies and remove any unauthorized inquiries from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Because you failed to process my letters and more than 30 days have passed, it is a breach of my consumer rights. I consider this an intentional disregard of my rights, and I will seek legal action by contacting my lawyer if this account is now not deleted! This is no longer a request for investigation, but for deletion. XXXX - XXXX or I will contact a consumer attorney and submit copies of all of the 'stall letters ' that I've received from your bureau in the past 12 months!
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (MO)

I applied for XXXX XXXX XXXX credcard two months ago, XX/XX/XXXX XXXX XXXX online website. It went into pending process for two weeks. When I called for an update, on XX/XX/XXXX they wanted more info of identification. I emailed a valid my Driver 's License and Cell phone bill. They said the email blurry. I sent another one and they said it was blurry again. They said only two emails are allowed. I had to fax instead. I faxed it in XX/XX/XXXX. Today XX/XX/XXXX they said they need another two weeks to make a decision. 
I called back on XX/XX/XXXX a second time after I just got off the phone because I instantly got a hard inquiry on my credit report. When I asked why did I receive the second hard inquiry, they said the first request was only good for thirty days. 
Number one, they pulled my credit and held off making a decision because they still aren't certain of my identity ( they are my bank ). Thats not fair. 
Number two, they made a second inquiry for the same XX/XX/XXXX application. Thats an insult to injury. 
Number three, the rule to only allow two emails to verify an ID is not good business practice to say the least.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Validation of account : XXXX To whom it may concern : This letter is being sent to you in response to a listing on my credit report. This is not an acceptance of any debt or refusal to any debt ; this is a notice to request validation of debt with Spring Oaks Capital LLC. 

Under the FDCPA ( Fair Debt Collection Practices Act ) I have the right to request validation of the debt said to be owed to Spring Oaks Capital LLC. Be advised I am not requesting a " verification ; I am requesting a " validation '', meaning competent evidence is needed showing contractual obligation and agreeance that I owe any debt to Spring Oaks Capital LLC. 

Please prove the following info within 30 days from the date you receive this request for debt validation. 

Name, address, phone of alleged creditor : Name on file for alleged debtor : Alleged account number : 1099-C from original creditor. 

Address on file for alleged debtor : Date this alleged debt became payable : Date of alleged charge off or delinquency : Proof that the original creditor securitized the debt Assignment contract from original creditor to the debt collector " Detailed '' description of items/service pertaining to alleged debt ( amount/price of service ) : Agreement that bears the signature of the alleged debtor within he or she agreed to pay the creditor : Documentation showing the assignments of debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided all of the above requested to validate this debt. 

You do not have permission to update any of my personal information ( phone number, address, etc... ) across any platform of credit reporting. 

If your office fails to respond to this validation with all above information requested within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request must be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX XXXX XXXX, XXXX XXXX XXXX COMPAOpened XXXX, XXXX XXXX XXXXOpened XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXClosed on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Closed on XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXClosed XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXClosed on XX/XX/XXXX XXXX XXXX XXXXClosed on XX/XX/XXXX AND BLOCKED AND DELETED REMOVE THESE INQUIRIESBY EQUIFAX IMMEDIATELY OFF MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2024-08-02
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. (MI)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.