davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (CA)

t always have a loan {$720.00} including pass due, I try called many times ask. No response from that account information. And how I can get the help and update my credit scores? I need to do re-Financial for my home. Thx!
Consumer complaint received 2024-04-24
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. (FL)

I am writing to file a formal complaint against Equifax for their failure to conduct a reasonable investigation into the inaccurate items on my credit report and for not providing a response to my dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a dispute letter to Equifax requesting an investigation into the inaccurate items present on my credit report. Additionally, I contested incorrect personal information listed on my credit report. However, despite my efforts, I did not receive a response from Equifax regarding the results of the investigation. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 

Enclosed with this letter, please find a copy of my dispute letter sent to Equifax as proof of my efforts to rectify the inaccuracies on my credit report. Despite providing all necessary information, Equifax has neglected to fulfill its legal obligation to conduct a thorough investigation and provide a response to my dispute.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

F

urthermore , 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. In addition, 15 USC 1681a 2 ( A ) ( i ) suppo rts my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

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  To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2024, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

Thank you very much. 

XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

my information was sold and bought illegally because i was a victim of the equifax data breach. i want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-04-24
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (OH)

On XX/XX/XXXX Key bank opened an savings account and chequing account and on XX/XX/XXXX they closed the accounts for no apparent reason. The bank is XXXX and biased because they closed the accounts without informing us why! The bank has violated the 14 th Amendments ' Equal Protection Clause. Also the deposit that I deposited in both savings and chequing account was not reimbursed and I am really in need of my funds.
Consumer complaint received 2024-04-24
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX  XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I applied for a received the Capital One Savor card in just this month XX/XX/XXXX in anticipation of a trip to XXXX from our home in XXXX, AL. It was one of several credit cards we considered that do not have foreign transaction fees, which are 3 % with our bank XXXX XXXX. After successfully using the card for the first XXXX days of our trip on many transactions including our hotel, meals and museums, the card suddenly became restricted and could no longer be used as of XX/XX/XXXX. We received an email notifying us of the restriction and to call them asap - though they opened near 18 hours later. We called as soon as they opened and were told there was no concern of fraud they just wanted to verify my identity- and the only way to unrestricted the account was to provide copies of my drivers license, social security card, and proof of residence. I didnt travel with my social security card ( not that Id want to give them a copy anyhow ), so am unable to give them their requested documentation. I escalated through to a manager and tried to offer any other identification such as my passport and was refused. They also could not tell me what made them restrict the card without verifying my identity in this way only. Now we are stuck without the card for the remainder of the trip and will pay foreign transaction fees on the remainder of our purchases through our departure on XXXX. Banks are closed here til day before we leave Tuesday the XXXX. My only other credit card to earn rewards is an XXXX which is accepted almost nowhere here. I feel the injury is both the loss of rewards access and the 3 % Ill be paying on remaining purchases with XXXX XXXX debit.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TN)

See the attached file for confirmation of payment dates. 

On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX  On the dates listed above I made payments on the account for the amounts listed in the attached document. Each time I have submitted those payments 2 days later I am charged a duplicate payment when only have submitted one online. This is supported by the fact I never received a confirmation email on the second payment. I have one account that I used to pay my bill, and on two of the charges I do not have enough in that account to pay the bill twice because I only transfer what is necessary for the payment. On the second payment the charge is declined and I am assessed a fee for the payment returning. 

This is fraud. And I have called multiple times to have this resolved, the last time being today ( XXXX ) and explained my situation. I spoke with an agent who advised I made 2 payments, when I know I did not and the lack of a confirmation email on the second backs up this claim. I asked to be transferred to a manager and upon transfer was hung up on. 

I expect not to be charged this fee and not have this happen again when I make a payment. If I have to contact my ISP and get my Internet usage history, the full detailed breakdown and get an attorney, I will do so and also be looking into time spent working on this issue, financial burden and being defrauded. 

I also hope the CFPB will look into this for fraudulent activity as well and take action. This has only occurred since Concora Credit has taken over Milestone and I've also had this issue on my Destiny and Indigo accounts, which are both serviced by Concora as well. If I have to file a separate complaint for those companies as well I will do so.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-04-24
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX, XXXX XX/XX/year>
Consumer complaint received 2023-08-30
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. (MS)

Hard inquiries were perform that i didnt authorize per FCRA legally these unverified & unauthorized items must be deleted : 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 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
Consumer complaint received 2024-01-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address a matter of concern regarding late payments and non-compliance with the agreed-upon terms outlined in our previous discussions. 
As you may be aware, there have been instances of late payments on the account associated with XXXX ..... Despite our mutual understanding and commitment to maintaining a timely payment schedule, it has come to my attention that there have been delays in meeting the specified deadlines. 
XXXX XXXX XXXX XXXX .... 
In light of the above, I kindly request the removal of the late payment entries from our records. Clear communication and adherence to the agreed-upon terms are vital for the success of our partnership. I believe that resolving this matter promptly will contribute to the continued success of our business relationship. 
I value our business relationship and look forward to your prompt attention to this matter. Please feel free to contact me. Thank you for your understanding and cooperation.
Consumer complaint received 2024-04-24
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my XXXX XXXX. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (VA)

I am formally requesting the removal of fraudulent accounts from my credit report. I am not aware of these accounts and they do not belong to me. As per USC 1681g, I request that these accounts be deleted within 15 days. Please refer to the attached documents for evidence supporting my claim.
Consumer complaint received 2024-01-19
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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 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 2023-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2023 I realize my bank account has been deducted from a charge of an online merchant claiming to be affiliated to Chase PDF-Fling papers which I have no knowledge of? So I called this online source and they reversed all monies of {$76.00}. Chase claims I called them weeks prior of XX/XX/2023 stating I placed a claim with them about this merchant? Stating it was a temporarily credit of money we give you so we took it back from your account? Which is boldly completely incorrect. 

XX/XX/2023 an online course I took for {$550.00} payment of {$150.00} every two weeks I was to pay merchants. Course was not completed due to online issues with the learning tool. I was asked to prove my case by Chase of my incompleteness of course to get my money back which I did by faxing over a hard copy of the incomplete course document. 

I proved my case and won over merchant Chase took the money back from my account. XX/XX/2023 claimed the merchant won the case and reverted the merchant of {$150.00} out of my account? and the remaining balance as well? 

When I called them on these issues they refused to help or return my money.
Consumer complaint received 2024-04-24
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00} Late Dates : XXXX Late closed, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX XXXX. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections.