davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (AZ)

XXXX is showing that I owe {$99000.00} in student loans, when I only owe {$62000.00} in student loans. They are listing two loan accounts, one for {$36000.00} and one for {$62000.00}. All of my student loans were consolidated into one account years ago. I contacted Edfinancial services months ago regarding this issue, and I was told they are aware of the problem reporting. Yet, they haven't fixed it. I have disputed the information twice with XXXX, and they refuse to correct it. I filed another dispute on it with XXXX, and also a complaint and dispute with XXXX, in writing today. I am concerned that I will be refused some credit that I apply for, due to showing such a high student loan balance and debt load.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

THIS ACCOUNT IS A DIRECT RESULT OF IDENTITY THEFT. THIS DEBT COLLECTION COMPANY IS ILLEGALLY TRYING TO COLLECT THIS DEBT. I HAVE NEVER OWNED THIS DEBT AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2024-06-11
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Numer : XXXXXXXX XXXX XXXX XXXXXXXX Account Numer : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or a list of inquiries : 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 2024-05-08
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 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 2023-11-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (GA)

Received an email at XXXX, thanking me for my application. Received an email at XXXX, account ready to finalize. Received phone call at XXXX, they left a voice mail asking for me to call them back to finalize the loan. I returned the call at XXXX stating that I did not request the loan and to remove it. They replied, okay so you're not interested? I said, No, I never applied for this and please put some kind of alert on my account that there was fraud here.
Consumer complaint received 2024-05-08
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$59.00} XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX Balance Owed : {$7300.00}
Consumer complaint received 2024-05-08
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. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these companies are in violation of the FCRA LAWS. reporting to my consumer report is a form of communication 1692c. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 


If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

please remove this information off my report.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I have been trying for months to receive a statement from the company. I've called and I've emailed, but still no statement. My last statement was in XXXX of XXXX and we're now going in XXXX of XXXX. I recently receive a letter stating enclosed was my statement, but no statement was included in the envelope. Basically I'm paying blindly with no information whatsoever. I need to be able to see my statements, either online or have them mailed to me. I was told that the statement would be available for XXXX and when I just checked, again the site is only showing my last statement which is again XX/XX/XXXX.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-07
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. (NJ)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-05-07
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX :, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-07
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. (CT)

Despite numerous attempts, I have been unsuccessful in resolving the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of XXXX XXXX I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the XXXX XXXX XXXX XXXX XXXX XXXX, which outlines this issue and seeks resolution.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize he following inquiries listed below. there were not obtained with my consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (TN)

We have been making payments for 5 years on this car to First Investors Financial Services. The last few months I noticed that when I made a payment, the payoff amount was not going down at all or very little. I have not heard from them in years but all of a sudden when I am almost paid off, they now say I am a month behind on my payments. Outside of deferring a payment to the end, I have made a payment every month for 5 years. On their own website, it NEVER shows that I owe more than the monthly payment. Also, they have not called me about any payments owed or past due for several years until now. I called them and the first person said it was my XXXX payment, which was made over a week prior to me calling. Then when I said I made that payment, she changed her story and said it was for XXXX. I paid my XXXX payment on the XXXX of XXXX ( due XX/XX/XXXX ). I got no where with her so I asked to be transferred to a manager. This person said at first it was for XXXX and would not listen at all. He just kept saying the same thing over and over that I was late on a payment despite making every payment. Also, it is important to note that earlier in 2024, my account on their website says my last payment was XX/XX/XXXX, around XXXX it changed to XX/XX/XXXX and now it says XXXX. Also, the website did not show anything past due until after our phone call, now it shows past due. Their system is jacked up, they are lying about what is due and I want someone to look at the entire pay history and account history to show what is really due, if anything, and for them to make this right. The way I have been treated and the wording used along with their website has all the signs of being scammed for either more payments or an excuse to pick up the vehicle and resell for more money. I would also like to share this with as many people I know and can contact to know hwo they really are.
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (NY)

I tried many different forms to disputes these account and they keep sending all documents without no proof of the address and my hand writing of signatures ' ON ACCOUNT XXXX XXXX {$300.00} open on XX/XX/XXXX XXXX inquires XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO. (PA)

I wrote Ford Motor Credit two letters asking for information regarding the fraudulent account that was opened in my name. I firs contacted them on XX/XX/year>, there was response. I then wrote another letter on XX/XX/year>, still no reponse. The account was open in another state that I do not reside or live in. I did not authorize no transactions with ford motor credit. I would like for the account to be removed immediately off my credit report.
Consumer complaint received 2019-01-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (AL)

I purchased a car in XX/XX/XXXX it was a XXXX XXXX and it was a total loss in XX/XX/XXXX, My Insursuce paid the depreciated value, Then there was a balance left which I had Gap Insursuce to cover the balance, But Santander Consumer USA didnt file a claim for it. They were trying to make me pay the balance So they ruined my credit with it by putting a charge off on my credit report
Consumer complaint received 2024-06-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

Hi, I'm a customer with Citi bank from last 6 years. I've opened a High yield savings account last 3 months back with citi and transferred amounts in XXXX transactions. 
First Transaction - {$10000.00} on XX/XX/year>, Second Transaction - {$5000.00} on XX/XX/year>, Third transaction - {$5000.00} on XX/XX/year>, Fourth Transaction - {$10000.00} on XX/XX/year>. 

Transferred a XXXX of {$30000.00} from the XXXX joint account owned by me and my wife. All these money are from our pay, bonus and some amount is from my brother which is also from his salary. 

Last week I've tried to do ACH transfer of {$10000.00} our chase account and everything was good. 3 days back when I've tried to login with my mobile app and It was showing Connection error. I've tried it from my computer, It's the same thing and I've tried calling customer representative and they redirected me to couple of other numbers. I've spoke with about XXXX customer representatives in last 3 days and everyone is just saying your account is terminated and you wont get any amount from the bank and when I've asked about the reason they are disconnecting the call. We don't have a branch in Arizona to go in person to the bank. These are all our hard earned money saving from so many years to use it for the house down payment. No one from the citi bank is giving information or the correct reason about the issue. Please help me in getting back our hard earned money.
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

Synchrony the issuer of multiple store branded credit cards that I currently carry including JCPenny, Verizon, Sams Club and Lowes has implemented a new statement fee of {$1.00} per month to receive a paper statement on the mail. I find this inappropriate and not right for the consumer. Many people depend on statements to make their credit card payment on time, and through the mail. Now when they use the card they will automatically be charged the statement fee if they wish to receive a monthly statement by mail, unless they enroll in electronic statements. This takes advantage of consumers who would like to use their credit card, but may not use the internet, or pay their bills electronically. Any such fee should be illegal, and consumers should have a right to receive a paper credit card statement by mail free of charge.
Consumer complaint received 2024-04-28
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. (FL)

I consistently make on-time payments, of which I'm certain. However, I'm unsure why this company reports me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected, or they'll owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.