davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

After reviewing my credit report i noticed there were multiple accounts listed that do not belong to me. These accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX Bal- {$510.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$5200.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$13000.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bal- {$0.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$4300.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Bal- {$0.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} Opened- XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$840.00} Opened- XXXX XXXX XXXX XXXX XXXX Bal- {$860.00} OpenedXXXX XXXX XXXX XXXX XXXX XXXX Bal- {$560.00} Opened- XX/XX/XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This account has been reporting on my report and has given me so much stress for the past months. All I ask of you is to verify whether or not this belongs to me, because its inaccuracy has been affecting my credit scores and has deprived me off of my financial opportunities- which deprives me just as much of my dreams.
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AR)

I submitted my XXXX XXXX annual application on XX/XX/2023. I understand these things take time, but it has now been over 7 months and my payment still has not been applied to my balance. It has also come to my attention that Edfinancial closed my loan account and opened a new one without my consent. The payment that the XXXX sent them was applied to my old account and Edfinancial has yet to transfer that payment over to my new account. They have had my payment for several months which is more than enough time to make this transfer.
Consumer complaint received 2024-09-24
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. (TN)

XXXX 's response is essentially a deflection of responsibility. XXXX XXXX and XXXX XXXX. Customer Service XXXX while they provide some general information about credit scores and how student loans can impact them, they avoid addressing the specific inaccuracies I pointed out in the initial letter. 

Key Issues in XXXX 's Response : Avoidance of Specific Issues : XXXX doesn't address the incorrect consolidation status or the presence of closed accounts from previous lenders. 
XXXX on XXXX XXXX XXXX : The response provides generic information about credit scores and how student loan payments affect them, but it doesn't address the specific errors XXXX highlighted. 
Misdirection : XXXX implies that the issues might be with the credit bureaus, not with their reporting, which could be a tactic to shift blame. 

To Whom It May Concern, Your nine-digit SSN XXXX XXXX  First and Last Name. XXXX XXXX XXXX XXXX XXXX of Birth. XXXX  I am writing to dispute inaccuracies on my credit report regarding my XXXX loan accounts. 

Upon reviewing my credit report, I discovered that XXXX has incorrectly reported the approved consolidation of my XXXX loans. Additionally, closed accounts from previous XXXX loan companies are being reported, which is inaccurate. I am no longer with XXXX. Double reporting of as XXXX. Consolidation from XXXX is currently reported. 

I request that these errors be corrected promptly. 

I have attached supporting documentation for your review. 

Thank you for your immediate attention to this matter. 

Please find the addendum attached for further details. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to XXXX, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I recently was denied credit for a XXXX credit card I was told reason for denial was there is 2 accounts that are either paid or unpaid reporting as negative. I was advised to contact XXXX  because I told them that information is incorrect and Ive been trying to resolve this issue with XXXX. Ive written them several times with no response except they will not re-investigate these accounts for me unless I have additional proof. I also tried several times to reach a live human to speak to but thats impossible. I am upset at the fact that XXXX  will not delete or remove these 2 accounts that are reporting negative. It is affecting my credit score and creditworthiness.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

Hello, my name is XXXX XXXX XXXX. I noticed a charge-off on my credit report for a debt of {$5500.00} from XXXX XXXX XXXX XXXX that I do not recognize. The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. After contacting XXXX XXXX, I was informed that this debt is related to a co-signed account. However, I have never co-signed for anyone, and I believe this is a case of fraud. I am requesting that this charge be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

XXXX XXXX XXXX XXXX : {$5300.00} ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Consumer complaint received 2024-07-22
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. (TX)

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 2024-08-07
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 a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted : XXXX, Equifax, and XXXX, - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX attached : copy of ID, Dispute letters, & proof of address
Consumer complaint received 2024-08-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (TX)

Receiving emails with info from an old loan from XXXX XXXXXXXX where the senders are demanding I pay them and have threatened to warrest me if I do not. The amounts are wrong and the email address for a so-called attorney look to be fraudulent and are thru XXXX and not a reputable law firm email address anyway.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I was recommended a no interest loan by my XXXX provider to cover the cost of my procedure. The service was provided by Syncrony Financial/CareCredit and I enrolled XX/XX/XXXX for a 24 month, no interest promotion on a {$5600.00} line of credit. {$5400.00} of that was used for the procedure. I enrolled in auto payment option on XX/XX/XXXX. 

From that point forward, I was sent emails stating my upcoming payment amount, upcoming payment date, and my total balance amount. Autopay took care of the rest. 

On XX/XX/XXXX, with zero warning, I was charged {$2900.00}. The full amount of my 24 months of interest, at a nearly 33 % interest rate and have been being charged monthly interest since. The interest was not on my remaining balance, but the total amount over the last 24 months. Again, there was no warning or reminder that the deadline was approaching. I have already paid {$3000.00}, but I now have a balance of {$5300.00} on a loan that was supposed to only be {$5400.00}. My monthly payment went up from {$85.00} in XXXX to {$180.00}, with a monthly interest charge of ~ {$120.00}, in XXXX, following the {$2900.00} end of promotion interest charge on XX/XX/XXXX. 

I reached out to their support team on XX/XX/XXXX asking what happened and they reminded me of the terms of the 24 month promotional deal. I told them I would repay the balance in full within 24 hours if they waived the interest. They refused. I asked to start a formal dispute and they said I can not file disputes on interest charges. I asked them why they sent no warning or notification and they said its on the statement only and they do not send reminders. I was signed up for paperless billing and auto payments. The monthly emails they send out say the amount remaining on my loan, the upcoming payment date, and the upcoming payment amount. What reason did I have to log in and find my statement and inspect it each month? They designed this system in bad faith. 

These loan terms are incredibly predatory. My balance is now just as high as it was when the loan was issued to me, despite me paying every month, on time, for the last two years. The auto payments went down every month, since my remaining balance was decreasing. Now I am trapped in a very high interest loan and my attempts and repaying the loan in good faith, once I realized what had happened, were rejected.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc (NY)

to whom it XXXX concern, i have been a vitim of fraud for years. i have placed several blocks on my credit, and even have frozen my credit over the years due to being a victim. 
Recently, someone tried to open an account under my name from paypal credit. 
fraud case number XXXX. According to the fraud XXXX i need to block all the credit bureaus. 

please give me the steps to move forward with this matter XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I filed a claim with XXXX XXXX after purchasing a resume service and not getting what I paid for and the individual who I purchased from was aggressive and abusive when having him correct errors. I reached out to Venmo first and they told me to go through XXXX XXXX to get my money back. Fast forward to XX/XX/24 when the same individual decided to threaten me and extort the money on Venmo after getting notified about the chargeback through Venmo. XXXX XXXX has now put my account in overdraft for this issue and Im in the process of seeking legal counsel if this isnt resolved. His threats for not delivering should be investigated and I should not foot the bill for this. I want this payment refunded or I will file suit for being an accomplice to threatening behavior and XXXX against me.
Consumer complaint received 2024-08-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Dear Jefferson Capital Systems , LLC, I am writing to address the ongoing issue regarding a collection reported on my credit report, allegedly by your company. This is a formal cease and desist letter as your unfounded claims that I own a debt is seriously impacting my life. As per the case of XXXX XXXX XXXX XXXX XXXX and the requirements outlined in the Fair Credit Reporting Act ( FCRA ), it has come to my attention that you have violated multiple FCRA practices by publishing this collection on my credit report without proper investigation. 

During our previous conversation, your company assured me that collection efforts would be terminated. However, to my dismay, almost 6 months have passed and this collection is still being reported on my credit profile. This situation is causing me extreme financial and emotional distress, as it is negatively impacting my personal credit. 

In accordance with my rights under the FCRA, I am seeking to enter into pre-arbitration to resolve this matter promptly. To be clear, I would like to offer the opportunity to settle this issue amicably by accepting a payment of {$2000.00} and a swift deletion of the account off of my credit report. It is important to note that I could potentially seek {$1000.00} per violation, based on the violations outlined. 

I urge your company to take this matter seriously and work towards a swift and fair resolution. This situation has caused undue hardship and I am hoping to avoid further escalation. If you are willing to discuss this matter further and come to a mutual agreement, please contact me at your earliest convenience by email to initiate pre-arbitration proceedings. To ensure that your concerns are addressed in a timely manner, I recommend sending a follow-up communication in 15 days if you haven't received a satisfactory response. I'll also be filing a complaint with the Federal Communications Commission ( FCC ) to seek assistance in resolving the matter.

Thank you for your attention to this matter. I am hopeful that we can resolve this issue promptly and amicably. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2019-07-04
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: ERC (MO)

The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) XXXX XXXX # XXXX 2 ) Enhanced Recovery Co # XXXX