davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

We took out the credit card to get Zero percent interest on our purchase of {$990.00} provided the balance was paid within 12 months ( XX/XX/XXXX ) Electronic Autopay for {$83.00} to be applied the XXXX of each month ( Payment due date is the XXXX ), was established at our Bank and according to our records, which the bank confirmed all payments were made as scheduled and funds received on or before the XXXX of each month. 

We received 5 late fees : Payment date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$25.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} We were informed that {$220.00} in interest was added to the account on XX/XX/XXXX because the balance had not been paid off, we were unaware that there were late fees. We have a balance of {$300.00} and have made payments that total {$1100.00} despite consistently making timely payments within the specified time. The late fees seem erroneous and the credit company states that it is not their policy to adjust accounts based on due dates.
Consumer complaint received 2024-09-30
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. (MS)

I need to re-document and refile this complaint to EQUIFAX. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-09-30
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. (MS)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-30
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. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-30
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 : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-02
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. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-30
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I went to go deposit money on XX/XX/19 and i put in about 300 but the ATM didn't take the XXXX so it took only XXXX and even after that the ATM was still unsure and asked me to guess the amount of money i deposited. i made sure it was the correct amount because i counted the cash i had and i was missing XXXX. therefore i deposited XXXX then the tam said the transaction was going to be reviewed, and i was given provisional credit. so i then went and used the provisional credit then i was charged for the credit i used. after that i filed a dispute and after a while of having my dispute reviewed i was told that they couldn't do anything and i had not deposited the correct amount. and also when i reviewed the activity on my account it says that i deposited a check, when i never i deposit checks and always cash.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-10-31
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

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 2019-12-15
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: Experian Information Solutions Inc. (IL)

XXXX Was informed that this account was used or opened by me and this account is fraud. They informed me of the transactions placed on the account and I filled out an affidavit and sent it back to them declining and denying the charges and account. I was told by the XXXX XXXX XXXX. the account was closed with a XXXX balance and would be removed from my credit report by XXXX Customer Service department. The account is closed but still being reported as delinquent. According XXXX the balances and annual fees were going to be removed and the account would be fully closed and removed from my credit reports.
Consumer complaint received 2024-08-13
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX is some inaccurate information reporting. 
XXXX XXXX Account # XXXX Delete this account. 

XXXX is some inaccurate information reporting. 
XXXX Account XXXX XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account # XXXX Delete this account. 

XXXX.15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account # XXXX XXXX this account.
Consumer complaint received 2019-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA (NJ)

I went to XXXX XXXX XXXX car dealership Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX XX/XX/2019 with a guarantee of an approval a XXXX  XXXX XXXX. I asked them if I could bring my credit report and let the banks run my credit. They agreed. I told them I needed to stay under a price range of {$20000.00}. The pressured me into test driving a XXXX XXXX. I did asked the price they said under {$20000.00}. when it came to paper work to see if I could get the finance. The price changed from XXXX to XXXX and the sticker price was not on the car I test drove. I was told there was a rebate but was not shown the rebate price but eventually when they wrote out the figures they stated my car cost would be XXXX. I was also told I didn't need a down payment and could use rebate as the down payment. They ran my credit said they had good news and said the bank tried to call my phone number in order to get approved. It confused me and i said how is that good news? Then they pressured me if i could get a co signer and confused me more. I bought my first XXXX from them no problem whatsoever and my crdit score was much lower than it was. Not sure what is going on now I have all these inquiries on my credit and it lowered my score. They lied from the very beginning..Wasted my time and made me late for work
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: Experian Information Solutions Inc. (VA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXXXXXX Account number XXXX {$12000.00} XXXX XXXX XXXX Account number XXXX {$13000.00} XXXX XXXX XXXXXXXX Account number XXXX {$16000.00} MY INFORMATION HAS BEEN COMPROMISED. I CALLED EQUIFAX AND THIS COMPANY TO SEE WHAT WAS GOING ON AND RECEIVED NO HELP. THESE ACCOUNTS ARE FRAUDULENT. I HAVE MY FTC REPORT ATTACHED. 
15 U.S.C. 1692 et These accounts have not been validated.
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: Experian Information Solutions Inc. (FL)

Subject : Complaint Against [ Experian ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Experian ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ Experian ]. Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ Experian ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. The violations committed by [ Experian ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ Experian ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ Experian ] upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifyin
Consumer complaint received 2024-09-30
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. (VA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-15
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. (NC)

In mid XXXX 2019 I changed my name legally at the XXXX courthouse. Im XXXX, and it is to some extent a matter of personal safety to be able to use the right name on official and legal documents. A few months later I moved to a new apartment and the electric company required a credit check with Equifax to set up my electric. They told me Equifax would not release my report to them. I was able to find a work around by getting them to request my report using my old name, but it wasnt great and had some consequences. Now a few months later I need to access my report because I am trying to pay off some debts and also need to submit it for licensing purposes. I tried to use XXXX  to try to access all three reports, but they told me they were not able to access all of them. They said Equifax had put flags on my report or something. They recommended i call Equifax. I just tried calling equifax to explain the problem. First off, they XXXX  me the entire time which made the experience extremely distressful, even after I told them my new name which is clearly XXXX. Second, they said I had to buy a report in order to change my information. Then after I had bought it, they said they couldnt change the information. They said I would have to FAX them my social security card, birth certificate and all of this other information. Which is frankly XXXX. I dont even know where I would go to find a fax machine. And I dont want to have to send them all that stuff. And so now Im just XXXX I guess. Like am I just going to have to use my dead name forever with them??? Ugh. Anyway ... Yeah. Tl ; dr Equifax is XXXX   and exploitative and needs to get its XXXX together.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.