davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-08-05
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-11-10
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am unable to check my credit score for Transunion and it has not updated my accounts or let me obtain my free annual credit report for the past two months they also have been reporting items to my credit report such as collections, charge off accounts that have been write offs from companies to IRS and not following 15USC laws which states they must have written instructions from me the consumer in order to report these items the reporting companies did not provide me with itemized bills as i requested or sent out a notice in the mail or proof of delivery of mail sent to me as 15usc1607l states within the 21 days Before the statement date as law states but this agency Transunion allowed them to illegally report information without doing a FULL investigation to make sure protocol was followed before doing so, they have violated my rights and freedom to privacy.
Consumer complaint received 2024-08-05
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)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I purchased concert tickets via XXXX in XX/XX/2023, which were then canceled before the concert. In the cancellation email XXXX sent me, I was informed that the Bank ( Citi Bank ) would refund me. After months of communication ( via disputes ), Citi Bank ultimately said they could not refund me. I've also contacted XXXX during this period, but they repeatedly said that Citi Bank should be the party to refund me and there was nothing they could do. 

Several disputes were established during my communication with Citi Bank, but all were returned as unsuccessful. Some agents even cited that I was late in providing documentation, but they were all proven to be incorrect. One of the managers I spoke with from Citi Bank said that some missteps by Citi Bank definitely affected the results of the dispute but could not assist further.

I also need clarification on why this was not simply refunded to my account and I even had to go through disputes in the first place. When the vendor canceled the tickets, the total should have been refunded directly.
Consumer complaint received 2024-08-05
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-10
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: Experian Information Solutions Inc. (IL)

The below email was sent on XXXX to XXXX President of XXXX, AND submitted via XXXX Complaint # XXXX " I considered getting service with XXXXXXXX  back in XXXX of this year and changed my mind the following day. ( Thank GOD I did ). I called back the next morning and canceled the service. You tried to send the phones to my home anyway, of course I denied the XXXX  shipment. You all would not refund my money, so I had to file a dispute with my bank to be refunded. 

On Saturday XX/XX/XXXXXXXX  I received a letter from XXXX threatening to place a collection on my credit for {$500.00} for service THAT I'VE NEVER HAD!! 

I've spoken with, NOT 1, NOT 2, NOT 3, NOT 4, NOT, 5, BUT 6 SUPERVISORS SINCE XXXX!! who have either lied about following up, getting this taken care of, or not being able to access the account, Only the 5th Supervisor XXXX XXXX went through my account and read the previous notes in the account. He assured me he would take ownership of this issue and call me back on yesterday XX/XX/XXXX ... and of course HE DIDN'T CALL BACK. 

Just spoke with the 6th supervisor today and she says she can't get into the account because it's canceled. 

I'm hoping that someone at this email can get this cleared up. '' I received a follow up email from XXXX below on XX/XX/XXXX : XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Wed, XX/XX/XXXX, XXXX XXXX, I am XXXX XXXX XXXX Executive Response Team. I am reaching out to you regarding your recent inquiry concerning the corresponding you sent in, regarding the XXXX account. Your concerns are very important to me, and it is my pleasure to be your direct point of contact. Please contact me at your convenience at XXXX. I am available Monday through Friday between XXXX XXXX XXXX XXXX XXXX  CST. Can I please have a good contact number for you? 

XXXX XXXX XXXX, Team CEO Direct XXXX XXXX XXXX XXXX assured me this would be taken care of via and via her response on the XXXX website under the complaint # listed above. 

Today XX/XX/XXXX a {$160.00} was added to my Experian credit report by a collection agency named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

I've NEVER had service with XXXX. Their XXXX response and records reflect this! I was told this was taken care of in XXXX. Now in XXXX they send it to a collection agency?!?!? This is ridiculous. 

I also sent an email to the same XXXX XXXX folks today regarding the {$160.00} on my credit. All emails are attached in the link below. I'm unable to get access to the XXXX complaints because the codes I have are expired, but I emailed CC'ed them on the last email. But, I do have the emails showing the complaints and those are attached as well. 

I'm really hoping you all can help me. Thank you. 
XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX  XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MD)

I called on TWO occasions to notify XXXX XXXX that I was having problems with the payment account on file due to a disputed transaction that occurred on my bank account. I had to open another bank account for my monthly payments to continue with the new account information which went way after my due date. I even made a payment over my usual payment to confirm my willingness to continue working with them. They have inundated me with phone calls at odd times of the day including unsocial hours which I find very frustrating and unprofessional. I have since continued to make my regular payments as scheduled ever since bringing my account up to date but the late reporting have impacted my credit score and its making it impossible to get on with the required financial headway of every day life.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Re : XXXX Bank Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX Bank Account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-11
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: Experian Information Solutions Inc. (CT)

I am submitting to bring to your attention a matter of utmost importance concerning the accuracy and precision of my account record. The information currently associated with my account, particularly in reference to XXXX XXXX with a balance owed of {$900.00}, is adversely impacting my credit report. I kindly request that you ensure the verifiability and appropriateness of this specific information, insisting upon its 100 % accuracy.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I submitted a dispute to XXXX XXXX via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. XXXX XXXX was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

I have requested a refund for the additional payments ( {$100.00} over 4 loans ) on my student loans from edfinancial. They refused to respond and have taken my money for months now. I have already finished paying off my student loans and just want to know how to get my money back, but they are not cooperating in any way.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (FL)

I made a complaint about dis company before late payments on my credit file XXXX XXXX XXXX self leader credit builder account they reply back by saying they will remove XXXX late payment and put close and pay as agree it's still showing a late payment history on my XXXX credit report and it's still hurting my score also I have there credit card and XXXX balance is wrong and the account is closed and it's reporting as open with a late payment history
Consumer complaint received 2023-11-10
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: Experian Information Solutions Inc. (IL)

I had an account with XXXX Credit Card company through XXXX. There was a late payment of {$30.00} or something that they kept on sending to my old home address. As a result, I missed it. That caused XXXX point reduction in my credit score. XXXX did not contact me by any other means to notify me about late payment or the payment either. I tried contacting them multiple times, talked to several supervisors to remove that from my account. But all in vain. I learnt about the XXXX point penalty only after applying for a home mortgage loan last year. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 that states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

So, I request CFPB to help me resolve this issue since creditor has not at all.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MS)

I made a purchase to XXXX online, I never received my item. I reached out to the merchant for tracking and it was provided. On the XXXX day after making the transaction my tracking updated that it had been delivered 4 hours away from my address and which is the address I provided for it to be delivered to. I made this purchase on XX/XX/2023. I have disputed it multiple times with Cash App and have gotten the same denied message afterwards. I work in the disputes department for a large bank and know that this is not how it should be handled and this is not how someone should be treated trusting a bank with their money. My purchase amount was {$39.00}. I provided my invoice, and the tracking given to me by the merchant and I was still denied my money back from my trusting company.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (DE)

WELLSFARGO All Banks XX/XX/2022 XXXX I have contacted Wells Fargo and XXXX I DID NOT AUTHERIZE THIS INQURY and i have no open account to dispute for fraud relating to this inquiry please provide proof or remove inquiry
Consumer complaint received 2024-08-05
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)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : **Account Name : XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX
Consumer complaint received 2024-08-05
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. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Recov assoc capital XXXX bank XXXX XXXX, southern newhampsire XXXX XX/XX/year> credit XXXX bank XXXX XXXX debt of education/neln XXXX XXXX us bank consolidated XXXX XXXX XXXX lutherford XXXX credit XXXX bank XXXX XXXX