davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

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Consumer complaint received 2024-04-01
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. (SC)

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 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/, I purchased an item for {$410.00} from XXXX. The item arrived broken, so I reached out to try to get a replacement. My attempts were ignored so I called my bank ( Chase ) to dispute the charge. The dispute was opened on XX/XX/XXXX. I was told the process usually takes around 35 days. After a month, I called for an update and was told to call back in XXXX. I called at the beginning of XXXX and was told to wait another month. I then called at the beginning of XXXX and was told they would have my dispute resolved on or before XX/XX/XXXX. It is now XX/XX/XXXX and I have just been told the dispute is still not resolved. This time, they would not provide me with an estimate and told me that I just needed to keep waiting. I have been waiting 99 days for this dispute to be resolved and now feel as though I am being ignored entirely.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-04-01
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

Account # 1234, has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2023-08-29
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

On XXXX I sent a dispute for two items from a specific merchant. 1 transaction was for failure to provide the service that I purchased/ Failure to provide advertised refund. The second was an unauthorized transaction from the same merchant. I provided full and adequate information in my dispute for BOA to open and process an investigation with the merchant, On XX/XX/XXXX I received a letter from BOA requesting " additional information '' concerning the case. The majority of the information requested had already been provided in my initial dispute. I sent a full response up by Fax and Postal mail on XX/XX/XXXX. 

On XXXX I received a second letter asking me to sign a form to report the charges as unauthorized and issue a new card. I returned this form on XXXX by Postal Mail. 

On XX/XX/XXXX I received a letter from BOA ( Dated XXXX ) stating that the case had been closed because additional information was not sufficient or received in a timely manner. 

I very promptly replied to BOA 's arguably burdensome inquires. I.e. BOA requested information already provided as well as mailed multiple requests that could have easily been combined into a single inquiry. Additionally BOA asked for information to be returned in a timeline not reasonable by today 's Postal Mail standards. 

I am very concerned based on this experience that customers are being denied their rights to dispute purchases intentionally and/or unintentionally by BOA. The requested response deadlines provided by BOA could not be met by the typical customer.
Consumer complaint received 2024-04-01
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. (NC)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$640.00} - late/OPEN - XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} - late/OPEN - XXXX, XXXX, XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance : {$9500.00} Bankruptcy XXXX XXXX XXXXXXXX Date Filed XX/XX/year> Docket Identifier XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax hasn't updated information on my file since XXXX XX/XX/2024. I've had multiple changes to my credit including adding two credit cards. When i applied for a credit limit increase with XXXX XXXX I've been denied. XXXX XXXX XXXX  reason for the denial was unable to get information from Equifax. 
XXXX XX/XX/2024 I called Equifax, and said that they needed my identification and social security card. 
I have sent them a copy of my driver 's license showing my current address and a copy of my social security card. I've talked to a Equifax supervisor and they verified that they had what they needed and would correct my report XXXX is XX/XX/2024 and no corrections have been made
Consumer complaint received 2023-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

The dept collect XXXX XXXX has put a collection on my credit port about a PayPal account that i do not have nor is it on my credit report. This company can not collect on a debt that is more then 6 years old by Georgia law. Therefore this is illegal to report this dead account on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX. Actions on simple written contracts ; exceptions. 
All actions upon simple contracts in writing shall be brought within six years after the same become due and payable. " *** Therefore since the ordinal creditor *PayPal* did not seek to collect within Georgia law time period of 6 years. The debt is now illegal to collect on and is not even on my credit report anymore.
Consumer complaint received 2024-08-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

Today on XX/XX/XXXX I received a letter coming from a XXXX XXXX XXXX Transworld systems Inc. and this is a debt collector for XXXX XXXX XXXX I have not had T-Mobile cell phone service in many years since XXXX or XXXX, its a debt collection for {$710.00}. I would like to know what is this, this debt can not be mines and why do I need to pay XXXX if I dont owe XXXX any money. Ive had to deal with identity theft for almost 7 years, I dont need an additional headache.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

I applied for the SAVE repayment plan on XXXX XXXX XXXX right after the new application was released. I was under the IBR repayment plan and, according to the application, I would need to make a one month reduced forbearance payment of {$5.00}. After some research, I found out that when changing payment plans from the IBR plan, interest is capitalized and you are required to make a standard payment when switching from IBR to another IDR plan. The SAVE plan created this reduced forbearance payment to help with the switch. I completed the application and selected to pay the {$5.00} reduced forbearance payment. Over two months passed and studentaid.gov showed that my application had been processed but my account was not updated on my loan servicer Aidvantage account. I called AidVantage several times in XXXX and was told there were different issues each time. The first being that I needed to recertify my income even though I provided authority to allow the servicer to obtain that information directly from the IRS in the SAVE application. I recertified online and with each rep I spoke with but their records still show that I have not recertified my income. Then a rep told me I needed to apply for forbearance and pay {$50.00}. I explained to the rep that this was not the case and that the application only said {$5.00} but they required me to pay {$50.00} so I did. Then I got a denial for forbearance. I called back and the new rep said that was a different type of forbearance and that I only needed to pay {$5.00} and that they were processing my application and to check back in a couple of weeks. I called back again and was told my application was approved and that my first payment would be in XXXX  as I had the 1 month reduced forbearance. However, in XXXX Aidvantage processed my new monthly payment causing me hardship because I had not budgeted for the payment in XXXX  due to the forbearance I was told I would be in. I called to complain and escalated to a supervisor who told me to stop the payment with my bank and was extremely rude and unhelpful. Additionally, my interest was never capitalized and my loan balance increased after the payment because my payment did not cover the interest despite the fact that the SAVE plan specifically states this would not happen. When I call during business hours to try to figure out why they did not capitalize the interest when I went into the SAVE plan and why my balance is increasing, they do not answer the phone, I am sent to a voicemail and they fail to return my calls.
Consumer complaint received 2024-04-01
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. (TX)

This is to express my deep frustration and concern to follow up regarding the ongoing presence of late closed and charged off accounts despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough review of our procedures and systems to identify any systemic weaknesses or gaps that may be contributing to the persistence of these adverse records. It is essential that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these adverse records. Transparent and timely communication regarding the steps being taken to address their concerns is crucial in restoring trust and confidence in our organization. With this, I am asking for your assistance to remove these accounts in my credit file : 1. DEPTEDXXXX XXXXXXXX  Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
6. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 
7. XXXX XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
8. XXXX XXXX Balance Owed : {$200.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and delete with lawful accuracy.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the inaccurate information contained in my credit report regarding a bankruptcy filing. Specifically, I refer to the bankruptcy case number [ Case Number ], which alleges that I filed for bankruptcy in the state of Georgia.

I wish to categorically state that I have never filed for bankruptcy in any state, including Georgia, and I do not reside in Georgia. This information is unequivocally incorrect and has caused significant damage to my credit standing and personal reputation.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate and correct any inaccurate information on a consumer 's credit report. Therefore, I am requesting : Immediate removal of the inaccurate bankruptcy information from my credit report.

Proof of the bankruptcy filing, including the name and address of the entity that provided this information.

A detailed explanation of how this erroneous information was placed on my credit report and the measures taken to ensure such errors do not recur.

Furthermore, I have reviewed a report by the Federal Trade Commission ( FTC ) which underscores the importance of accuracy in consumer reporting. The presence of this incorrect information on my credit report is a clear violation of your obligations under the FCRA, and it must be rectified promptly.

Please treat this letter as my formal dispute and conduct a thorough reinvestigation of this matter. I expect a resolution and confirmation of the correction within the 30-day period as stipulated by the FCRA.

Enclosed, you will find copies of my identification and proof of residence, as well as a copy of my credit report with the disputed item highlighted.

Thank you for your prompt attention to this matter. I look forward to your response confirming the correction of my credit report.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

In accordance with the fair credit reporting act this creditor 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 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 an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-20
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: Affirm Holdings, Inc (CA)

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, and AFFIRM INC XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was advised by a representative at Transunion to file this report. These inquiries are fraudulent and do not belong to me. Please remove them from my credit report. 

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
Consumer complaint received 2024-04-01
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX