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

I've been trying to get access to the Experian web site to view my reports and validate that my credit is locked. But I've been having issues with their 2-factor login. 

When they say they are sending me a code SMS or trying to call me. I don't get the code or the call. So I can't get past this and don't get access to my information. 

I use these methods with all of my other financial account and the other credit agencies and have not had this issue. 

I've called several of their support numbers and tried all that the automated system tells me to do including creating a new account. 
here are the numbers I've tried calling starting on XX/XX/year>... 
XXXX, XXXX, XXXX, XXXX, XXXX Each time ending up with the automated assistant with no way to get the technical support needed to get past this problem or to a live person. 

I am also an IT consultant with many years of experience designing and deploying system to consumers so I understand how this works. It should not be this hard to get this issue resolved and if it this frustrating to me I can imaging that most people would have given up by now. They may only care about their business customers but that doesn't help every-day consumers. 

Please contact as needed for more information.
Consumer complaint received 2024-08-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I applied for & received a XXXX XXXX credit card, through Synchrony Bank. Every time since making my first payment, when I attempt to log in to make a payment, the website gives an error message. If I log in as " guest '', the same occurs. There was a log in link sent one time, and it worked that only time, and I was able to make a payment. However, after that, the link no longer worked and I continually get the error message. I have tried logging in on different browsers on my computers and phones. I got ahold of someone with customer service and they said they are aware of the issue and working to get it resolved. That was 3+ months ago now. If I try to connect to the customer service chat online, I receive the same error screen. I expect that my account is accruing interest due to non-payments. 

I am entirely capable of making the small payments that I agreed to, but this is absolutely unacceptable that I can not access the account to make them. I have exhausted all other measures. PLEASE HELP. Thank you.
Consumer complaint received 2024-08-13
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)

on XX/XX/year> i disputed the accuracy of two Bankruptcy and ask the 3 agency how they validated that the information belong me and ask them to remove and to this day its still being reported om my consumer report.Equifax XXXX and XXXX are violating my rights under rule 15 USC.1681 by reporting information that knowingly and have reasonable verified.1 Under Rule 9037 of the privecy Protection for court filings made with the courts .ALL IDENTIFING markets are redacted unless ordered by the courts.
Consumer complaint received 2024-08-13
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: ALLY FINANCIAL INC. (TX)

The negative rating on my account is a source of considerable XXXX. I'm extremely apprehensive about its potential effects on my credit standing. This unfavorable mark has already led to a rejected loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional toll this adverse rating has inflicted and will continue to inflict until it's addressed.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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/XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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)

A week ago I reached out to XXXX after speaking with a representative from credit karma. There is an open credit card under XXXX XXXX  on my account. This was opened XX/XX/XXXX. I was born in XXXX. Also the state this account was opened also said I had an addresses there, I have never lived there or opened a flexible spending credit card for XXXX XXXX There is a balance of XXXX. I reached out to XXXX and I filed a dispute explaining I am not sure where this account came from. This morning they determined this was my account. I reached out to consumer attorneys after I received the results. I tried to call the XXXX XXXX  number and the calls says this number is no longer in service. I did not open this account it also says the last payment was in XXXX which I never paid to this account. I am not sure where it came from and would just like it to be removed and make sure my credit is not negatively affected. Thank you.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
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)

It is important to note that making a threat of legal action without the intent to follow through is unlawful. Please understand that I am fully committed to pursuing legal action against your company. Despite my repeated requests for you to investigate and correct the inaccuracies in my credit report, you have consistently failed to do so. 
According to my understanding of the law, you are obligated to investigate and address every request for correction of erroneous information. Your continued disregard for my previous requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides legal recourse for consumers and imposes penalties and liabilities on consumer reporting agencies and information providers for non-compliance. 

As previously mentioned, this is my final request for you to comply with the FCRA. Should you fail to conduct a thorough investigation of the disputed accounts following this request, I will have no choice but to initiate legal proceedings against your company in my local jurisdiction. You will then be required to come here to defend your actions. 
ACCOUNT : XXXX XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hey TransUnion, I regularly check my credit report because my XXXX XXXX is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my XXXX XXXX unfairly.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My information was disclosed/Shared to a third party without my permissible purpose or written/verbal consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! My Financial information was shared with Early Warning Services without My Consent. I do not want any of my financial information about my checking account shared with early warning systems in anyway.

Please Follow The Law Accordingly 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX. The company have engaged in misrepresentation of credit card usage on which is between 0 % to 6 % for this period of XX/XX/year> to XX/XX/year>. I call on the company XXXX to make full payment of {$190.00} on or before XX/XX/year> and it all went through. The company then reported today that was at 55 % utilization. After calling XXXX  back they confirm only three small payment came out of the account {$13.00}, {$5.00}, and {$16.00} which is under 10 % utilization. This is misrepresents, fraud, and deceptive billing and credit reporting practices under Federal Law with an intend to desparately cause financial harm and injuries. To deter all future business personal credit request to be deny in Badfaith as a neglect.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I submitted an insurance claim to Chase 's trip insurance provider, XXXX  ( claim # XXXX ) to seek {$100.00} in compensation for a baggage delay incident that occurred on XX/XX/year> on an XXXX XXXX XXXX  from XXXX, XXXX to XXXX XXXX, XXXX, XXXX. The flight was purchased via my Chase Sapphire Preferred credit card on XX/XX/year>. 

XXXX refuses to proceed with the claim without a XXXX XXXX XXXX XXXX XXXX XXXX document filed through XXXX XXXX. I have documented numerous attempts to file this XXXX and have explained multiple times how XXXX has made it impossible for me to obtain the XXXX that XXXX is insisting. 

I have also spoken over the phone with Chase to open a dispute on the flight transaction but Chase says I am not eligible to open a dispute because I took the flight and that my baggage was eventually delivered to me.

I find this unacceptable because the baggage was delayed by multiple days and the Chase Sapphire Preferred credit card is advertised to insure against baggage delays of this type.
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (TN)

Issue started a year or more ago. The section of my account page at XXXX  that allows me to manage a credit freeze does not display current info and will not let me manage a freeze or lock it always asks me to call for help. 

This has still not been corrected. The call rep on the phone stated it was a browser issue. They state the issue will not happen in the chrome browser, it does happen in chrome as well. 

I was locked out of my account ( which is my fault ). Went to use the easy " i need help '' selection on the web page to change my password and unlock. I was then told by a screen that I would have to call and get help. When I called to get help I could not get to an actual person. The automated system wanted to verify me and then would not let me speak to anyone when it said it could not verify me. It then prompted me to " mail in the correct forms '' to equifax ( whatever those are ) and to correspond through mail. 

I had to call in again and NOT verify my phone number to even get into the call queue to get help. The automated system is TERRIBLE and does not seem to be designed to help people or mitigate easy calls. 

Also the app that equifax used to ID me was terrible, it could not see my ID card and I finally was prompted to manually add a pic of my ID. 

When able to talk to a person ( finally ), they were able to help pretty quickly and efficiently. They were also very nice. 

Summary : XXXX Website does not work properly to manage my credit freeze. 
XXXX XXXX call directing is rediculous to deal with and long winded. 
XXXX The app that equifax XXXX to verify me couldnt focus on my ID card. 
XXXX The XXXX on the phone was great.
Consumer complaint received 2019-12-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (GA)

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX , XXXX '' hereinafter referred to as " XXXX XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " Cavalry SPV, I, LLC '' hereinafter referred to as " XXXX XXXX  '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the LLC, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Cavalry SPV, I, LLC ( the LLC ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-08-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I'm contacting you because I have found some information that is inaccurate on my credit report.I don't believe this account were ever paid late as it is reported.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.The items in question are in the photos.After doing so please provide me with and updated credit report reflecting the changes thank you for your support
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  account # XXXX reporting 30 days back when the payment was authorized to be taken out. Automatically. The bill was paid in full. It is already closed and I ask you to delete the account from my report
Consumer complaint received 2024-09-12
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. (FL)

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. The account information is below. 
Account : XXXX XXXX, Amount {$430.00}, Acct # XXXX Account : XXXX XXXX XXXX, Amount {$2000.00}, Acct # XXXX Inquiry ; XXXX XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"