davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

i disputed this with Equifax over a year ago and send documents to have them remove a collected agency from my report. which they did. on the   XXXX   XXXX   XXXX   l  i send another letter to  XXXX  the collection agency because it was still showing up on my   XXXX    report. well  XXXX  contacted Equifax and without verifying it, Equifax put it back on my report. it has been over a week and i still have n't received a letter from Equifax saying they added it back to my report. this is illegal and it goes against  XXXX  policy. forward to today. i called Equifax at  XXXX  and spoke with  XXXX  from the  XXXX , he would n't give me his last name. i updated my demographics and i spoke with him about some more errors on my report like a Bankruptcy which i asked where did he get that info from and he told me that the courts in my hometown provided it. so i told him that i send him a letter stating that the courts do n't provide that information to the agencies, then he proceeded to say that they only get their information from the original creditor and not third party companies, so i said collection agencies are third party companies and you just told me that  XXXX  gave you the information on that account. its has been too much going on with my account and i need Equifax to remove all info that i have verified on my report. attached is my supporting documents.. they refuse to update.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I am in  XXXX  as of   XXXX   XXXX  . As such, I should be afforded all  XXXXXXXXXX  protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all three bureaus ) shows a   XXXX   XXXX   XXXX  E account. I never had a cavalry account. there is a memo that states it  may  be a capital  one  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  XXXX   XXXX  and needs to removed ASAP. This is double hitting my  XXXX   XXXX  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of   XXXX   XXXX   to   XXXX   XXXX     XXXX   XXXX   to   XXXX   XXXX     and Filed Chapter  XXXX    XXXX   on   XXXX   XXXX   XXXX  . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
Consumer complaint received 2017-05-02
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Performant Financial Corporation (TX)

Performant  has been attempting to collect on my federal student loan debt for some time, but I am unemployed and currently on a rehab payment plan at a fairly low amount. However, according to some paperwork I signed over 15 years ago, they added 19 % collection fee to my {$91000.00} loan.     They continually call, and I 've stopped picking up the phone because it causes me   XXXX   XXXX  . They mail me notifications that over {$100000.00} is due immediately. However, they recently sent a notification addressed to me to my parent 's address at a   XXXX   XXXX   where I DO NOT LIVE. They are well aware of MY address, because they send me things. The last notice that was sent to my parents ' address, I had a caretaker write on the envelope to " return to sender '' and " remove this address from your records, '' and it was sent back. I learned today that another envelope has been sent, addressed to me at the   XXXX   XXXX  .     I am dealing with   XXXX   XXXX   over this situation, and it 's not fair that almost {$18000.00} in collection fees has been added to an already high bill that I ca n't pay. But trying to get my elderly parents involved is unacceptable. They are in extremely poor health, I 'm an adult ( over  XXXX ! ) and they do n't need to be involved.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I reviewed my credit report on XX/XX/XXXX  via  XXXX  and found a Kohl 's Dep artment Store trade l ine on my  XXXX  and  XXXX  credit report, however, I never applied for the card in question, which list me as an authorized user.  <P/> Date opened  XX/XX/XXXX  ; amount {$490.00} listed on my   XXXX   report and {$540.00} listed on my   XXXX   report. I have tried calling Kohl 's, however, I am still awaiting a response, so I decided to file my complaint through the consumer finance agency.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$18000.00}, XXXX XXXX. {$400.00}, XXXX XXXX. {$2100.00}, XXXX XXXX. {$1400.00}
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft. This is my official statement about the crime. The following inquiries are a result of identity theft : 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 XXXXXX/XX/year>. I am immediately and permanently deleting these inquiries from my credit report and file with Equifax Information Services LLC.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-10-03
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. (MI)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2017-05-02
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. (TX)

ever since we bought the house in    2009  we had   XXXX   as our house mortgage bank. they sold to  XXXX . I set up my payments to go to the wrong address, I use d one of  the letters I received from  XXXX  but it was wrong address. the first payment  or   XXXX   wer e cashed and I did n't hear anything from them. Until I received a letter stating I was late  one month, I called my bank they said payment was se nt off, my bank then called  XXXX  and we realized I had the wrong payment address. so we put a stop payment on that months payment because it was going to take to long to send to the other address then cash. so I was actually never late, I have proof from my bank that money was available on the  XXXX  just sent to wrong address, I do n't want to be penalized for a mistake on a address, ive never been late.
Consumer complaint received 2024-10-23
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. (NC)

I am reaching out to discuss several issues with the credit bureau, including incorrect account listings, an unfamiliar collection, unauthorized inquiries, inaccurate credit reporting, and billing errors. I would appreciate assistance in resolving these matters to protect my financial well-being.
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 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 2017-05-03
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: Experian Information Solutions Inc. (MI)

I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in XXXX XXXX. XXXX and XXXX delinquencies were reported in XXXX and XXXX XXXX XXXX respectively, by XXXX XXXX XXXX XXXX XXXX " XXXX '' ). An address change request was sent by U.S. Mail to loan servicer University XXXX XXXX, XXXX ( " XXXX '' ) on XXXX XXXX XXXX. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for XXXX and XXXX of XXXX indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these XXXX months. After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the XXXX failure to update address information per my request. The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.
Consumer complaint received 2024-10-03
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)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (AZ)

A couple of days ago,  XXXX   XXXX    XXXX  , I go to check my credit report and was surprised to see that I had  XXXX  duplicate accounts in collections from the same company,  XXXX   XXXX   XXXX , for the same exact amount from the same original creditor,  XXXX . I was livid because I felt as though they were being deceptive with their reporting and wanted to try to get me to pay twice. I got their number online and called them in hopes that they would help clear this matter up. The person that I spoke to was no help. He said that it appeared to be a duplicate but there was nothing he could do to help at that time. If I have to, I 'll consult with an attorney about what steps can be taken to get this rectified but I would like to get this taken care of on my own.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Dear Equifax, I hope this letter finds you well, I wanted to bring to your attention a concern I currently have with Equifax. There was something wrong with my Equifax credit report to which there is a block or freeze on this application on the XXXX XXXX XXXX. I have tried multiple times to work out this problem directly with Equifax but I still could not gain access to your website as each time I am blocked regardless the browser or the device I use. Unfortunately I havent had much success with trying to resolve this issue with equifax customer service and thus far there has been no resolution to this problem other than to report this to the Consumer Financial Protection Bureau ( CFPB ). I kindly appeal to your assistance in helping to ensure that all forms of freezing, blocking or putting a hold are lifted from my Equifax report at the soonest so that I can continue going through the credit applications process without undue hindrance.

I wanted to literally say thank you for your timely response to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

On  XXXX   XXXX  I was notified by  Chase v ia phone that there were some large withdrawals from an ATM in  XXXX   XXXX  California, and I am in  XXXX   XXXX  NV. They made  XXXX  separate withdrawals at an ATM  XXXX  for {$500.00} and  XXXX  for {$1300.00}. Once I was notified they turned off my card. They also asked about another transaction that I said I did n't recognize fro m  XXXX   for {$14.00}. I did n't know what that was at the time and it had been happening since  XXXX   XXXX . Since the first transaction happened in  XXXX  they said they are only liable for 60 days. I only reported it once  I    representative on the phone mentioned it to me. Now I am out {$1800.00} and was refunded {$45.00}. I talked to the claims rep who informed me of this and was escalated and was told the same thing. When I asked the escalation representative for someone higher he told me know and would not disclose his full name. He did say he was in the  XXXX . I visited a local branch who got someone on the phone and was told they were going to reopen it for review. I called today and spoke with  XXXX  from escalations and was told the same thing they could not do anything for me. I reported the fraud once they called me on it and I only reported the  XXXX  instance. Since they went back to  XXXX  they have denied my claim.
Consumer complaint received 2017-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

On  XXXX   XXXX ,   XXXX   I received an alert that   XXXX   XXXX    had pulled a hard hit on my credit. I have not applied for credit in 2 years. I called  XXXX  and they said this is an error, and no one has pulled credit in my name, I called Equifax to report the issues, I had the same problem with them last year at this same time. They are telling me they can not dispute and that there is no way for them to tell if I did it and just do not want the inquiry on my credit. I told them if they would do the dispute, and call  XXXX , this will settle the problem. They flat out refused to do the investigation. I want this inquiry removed and they need to do the investigation.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXXXXXX XXXX -Late Payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX -Late PaymenXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -Late Payment XXXXXXXX XXXX XXXX XXXXXXXX -Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-05-02
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: AMERICAN EXPRESS COMPANY (PA)

I received a special offer promotional rate (  XXXX  promotional purchase  APR ) f or  XXXX  billing cycles. Since this was a second time I got this, I called  American Express to see why I got a second. The first offer   came in the mail several weeks ago and I called the company to accept the offer. After the customer service person read me disclosure info, I accepted and was told the offer would become effective in a couple of days.Since that time I made charges on the account believing I had that  XXXX  APR.     The call I made today to inquire, again I was asked personal information and was told they could not locate my first offer, but I could reapply. I told him it was ok I would. Again a disclosure was read and I said I 'd accept it. At that point he told me the offer would not apply to charges I had made before today and it would take effect in a couple of days, and again told it would not apply to the over {$900.00} in charges I made. I only made those charges because I thought I had the lower rate. I would have placed it on other cards I held to get rewards.     I could not get any satisfaction from this person, so I requested to speak with a supervisor. I was told there was none available to talk to me. He put me on a 5 minute hold and came back to tell me he spoke with a supervisor who said I could not use the offer on the amount I had charged. I insisted on speaking to a supervisor and after another hold, a  XXXX , employee #  XXXX  told me he was the supervisor. I again explained the situation and also that I was an over 25 year  American Express  card holder.     After speaking with him, he again said the offer I was given before could not be located and the present offer could not be used towards my new charges, ( which by the way will not show up until my next month billing ).   I received no satisfaction from either person I spoke with. I also told  XXXX  I 'm concerned too because the person I spoke to several week ago also was given my person info and what happened to it .... He had no answer.   I would appreciate ant help I can get here and am following through with this complaint. Also is there a federal agency I can contact?     Thank you,
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I noticed charges on my credit card which I did n't make as well as cash withdraws. I immediately informed the bank, the bank failed to close an account, as a result with a {$700.00} limit, I had a balance over {$1000.00}. They shut down my card but still charging me for purchases which I did not make and for cash withdrawals I did n't make either. It is fraudulent practices.