davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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. (GA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC (TX)

A citation from the state of Texas was sent to my fathers address while I was living in Tennessee on XX/XX/XXXX. 

I responded to the citation on XX/XX/XXXX with affidavit to both lawyer of Cavalry portfolio svcs and the court, asking for a full validation of date. 

They responded with bill of sale of a pool of charged off accounts, statements, and credit card agreement pricing information. 

They did not provide the full validation of debt to prove i am in fact the debtor, including the original contract with a wet signature of the debtor.
Consumer complaint received 2024-05-03
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. (LA)

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 2024-05-03
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. (CA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc (LA)

Chime has a pay anyone feature that clearly wasn't thought Through properly being one day I left my card home and Needed money, I had two phone numbers at the the so I decided to use the pay anyone feature. I sent {$80.00} to my phone number. To find out a lady named XXXX XXXX mustve previously had it being it went to her chime account. I quickly contacted them and they told me that call her kept explaining that i couldn't bc it was my phone number so eventually, they finally said ok send proof .. so i did several times. Then they told me again to contact her bc she received it... I believe the lady is deceased bc I did try XXXX her. Yet their pay anyone feature is isn't right
Consumer complaint received 2024-05-03
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 have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, Equifax seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX and XXXX have already removed these accounts from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete these from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully request that you promptly investigate this matter and take the necessary steps to remove the remaining fraudulent accounts from my credit report. Failure to do so not only perpetuates an injustice against me but also exposes your bureau to potential legal repercussions for non-compliance with federal regulations.
Consumer complaint received 2024-05-03
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 believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are incorrect in terms of reporting, with inaccurate amounts and dates being reported.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PR)

My bank, XXXX XXXX XXXX XXXX XXXX, reports a credit card to Experian but Experian is not including it in my credit report. This lowers my credit score because of 'few credit cards '.
Consumer complaint received 2024-08-07
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. (MI)

I just checked my Equifax Credit Report and found an inaccurate account showing on it, that must be deleted according to the FCRA. The following account inaccurately shows XXXX late payments. If this car had this many late payments it would have been Repossessed, but was not. XXXX XXXX. XXXX ( XXXX ) ( i ) : Exclusions, states that Late Payments/ Transactions are not to be reported on credit reports. Equifax has also violated the FCRA and my rights by not following Compliance Procedures and by not ensuring Maximum Possible Accuracy in credit reporting ( XXXX XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX XXXX ). Inaccurate Account : XXXX XXXX XXXX, Account # xxxxxx XXXX. Equifax has the responsibility as a furnisher of my information/ credit report to ensure accuracy in reporting ( XXXX XXXX XXXX XXXX ). Also, according to the FCRA XXXX XXXX. XXXX ( b ) : Billing Error : Creditors can not treat a payment as late for any purpose. I demand that Equifax delete this inaccurate account because of all of these violations of my consumer rights, and the FCRA laws. Please mail me a corrected copy of my credit report.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-03
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)

I just got an alert from XXXX XXXX about a new credit inquiry on my equifax report, which is always frozen. This fraudulent entity which I do not know, and already XXXX it to send a complaint from their website. The fact was immediately notified to equifax, and will pursue a court case for identity theft, if they do not remove the inquiry.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

Hi my name is XXXX XXXX im Chime bank user unfortunately my account was hacked and stole all my money when I recovered my account successfully im immediately contact with Chime bank i file a dispute claim {$9500.00} and after few days he denied my Dispute. 
When i again and again contact with us for rebuttal the denied again my dispute. 
Plz help me out I am seeking a fair resolution and a refund for the disputed amount.

Please keep me informed throughout this rebuttal process and let me know if there are any further details or documents required.

I trust that Chime Bank will review this matter with care and fairness and work towards a just resolution. 
My Dispute Claim id is : XXXX
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

On XXXX XXXX  payments of {$3700.00} were sent through the Bill Pay program @ PNC Bank to XXXX XXXX XXXX. This was an error, and I called on XX/XX/XXXX to ask them to refund back to me the second, incorrect payment. I was told they couldn't do anything until the next day when the transaction had " settled ''. So I called on XX/XX/XXXX and I was told I needed to " File a Dispute '' and I should talk with XXXX XXXXXXXX XXXX which I did. XXXX XXXXXXXX XXXX  told me to simply have PNC " Revoke the Authorization '' which XXXX XXXX told me is a very simple process, and is done regularly. However, when I called PNC, they informed me " we don't do that '' ... your only option is to " File a Dispute ''. So, on XX/XX/XXXX I started the Dispute process. On XX/XX/XXXX I was told I would receive a " Provisional Credit '' while they were researching my Dispute, and I should see the credit in my Checking Account by XX/XX/XXXX. However, on XX/XX/XXXX there was no credit, and when I contacted PNC again, they told me no Provisional Credit would be issued, and I must wait " up to 10 business days '' for the Dispute Process to complete. On XX/XX/XXXX they closed out the Dispute as they needed my verbal authorization. They never contacted me for that verbal authorization. Now I am told I must get the funds from XXXX XXXX XXXX 
I was continually lied to and PNC never corrected their error.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

This is XXXX complaint on this same topic since the company will not respond and its been 7 weeks since original CFPB filing and 4 months since my lengthy conversation with the company direct and promise to transfer incorrectly applies payments was never fulfilled. 
I have XXXX accts on my daughters student loan, XXXX in my daughters name : XXXX XXXX acct XXXX XXXX and one parent plus Loan in my name : XXXX XXXX XXXX acct XXXX XXXX, which I paid in full in XXXX. 
The agent at Aidvantage gave me the wrong acct number and therefore all the {$140.00} per month payments I have sent since that time have been misapplied to the acct ending in XXXX intended to pay my daughters acct. I co tuned these payments the entire time during COVID forebearance. When the forebearance was lifted, we received a notice she was last due which was first sign that the payments had been misapplied. 

Again, this is second CFPB filing since I have been completely ignored for 7 weeks. 

Kindly look in to this and ensure my daughters credit is not being negatively impacted and transfer the credits to her account XXXX XXXX with a reversal of later and interest accumulated since. 

Kindly handle my complaint? 
Its a little scary that the CFPB is not moving to resolve this. Really. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed it. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (MN)

I used StudentAid.gov to calculate an IDR plan and have the application sent to my servicer, Aidvantage. Aidvantage sent me a message that the application had been received and that I would hear from them when it had been processed. The simulator calculated a XXXX XXXXXXXX repayment plan based on my income. 

XXXX months later I received a notification from Aidvantage that I would need to start paying back my loans ( over XXXX XXXX ) starting next month. 

I attempted to call them but the automated message informed me that wait times of more than XXXX  days was to be expected and that hold times were so long that they would be impractical. There is no other way to contact the servicer.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

My student loan payments started again in XXXX, after the payment pause. My bill was due on the XXXX, and I submitted payment on the XXXX. It was not credited to my account until after the XXXX and my account was showing past due. I attempted to call Mohela multiple times on the XXXX, XXXX and XXXX of XXXX to follow up and ask why my payment had not been credited. I was on hold for more than 2 hours each time I called, and was never able to get through. I then sent them a message regarding the issue and never received a response.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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. 



XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-04-26
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. (PR)

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 2024-01-02
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 regarding their failure to respond to my dispute letter within the legally mandated timeframe of 30 days, as stipulated by the Fair Credit Reporting Act ( FCRA ). I sent a dispute letter to Equifax via mail on XX/XX/2023, challenging several inaccuracies present on my credit report. The disputed items include incorrect personal information, along with account listings for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite the passage of time since the submission of my dispute, I have not received any response or resolution from Equifax. This lack of action from Equifax is a direct violation of the FCRA 's stipulation that credit reporting agencies must respond to consumer disputes within 30 days of receipt.
Consumer complaint received 2020-01-27
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (PR)

On. XX/XX/2020 I wrote a letter to Nationwide Credit , Inc . Claiming the account with XXXX ending in XXXX was not mine and I was a fraudulent account open under my name. On XX/XX/2020 I received another collection notices from them. Since I am a victim of fraud they should not be harassing. me with fraudulent accounts. They should investigate and not seeking payment and violating my rights. Most of all ignoring my request.
Consumer complaint received 2024-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (GA)

I received XXXX XXXX from XXXX XXXX on XX/XX/XXXX. I attempted to pay the debt at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and was told that the debt was not showing in their system. Once learning that the debt was turned over to a collection agency in XX/XX/XXXX I made the payment via my bank 's bill pay. I realized that the debt was reported on my credit report as delinquent. I contacted all parties involved and provided the payment transaction number to the medical facility on XX/XX/XXXX. The doctor 's office confirmed the payment.. the rep from the doctor 's office said she would inform the credit collection agency of the payment. I was informed that the doctor 's office would notify the credit collection company Carter and Young, and my credit report would be updated. I checked my credit report, and it was still reported as delinquent. I disputed the credit filing with the credit bureau, and the finding was that the account was past due as of XX/XX/XXXX. This has caused financial hardship to my insurance rates ; interest rates have increased, and my credit limits have been decreased by my creditors, resulting in a lower credit score. I have been denied credit. This has caused financial hardship to me. I am requesting compensation for the damages caused.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>