davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

I contacted Equifax to get a copy of my consumer report online. The online service says i can't view it and I need to call Equifax for more information. I started this process on XX/XX/XXXX. 

I was told there was an issue and this would be escalated to their Tier 2 department, and it would take 710 business days. I also asked that a copy be mailed to me just in case it takes longer. 

I called back 2 weeks later as I received nothing in the mail and nothing online. I was told the case was escalated incorrectly and would have to be escalated again. I asked to speak to a member of this team and there is no way for their internal teams to communicate with each other, so i will have to just wait. Additionally, I asked for another copy to be mailed to me. 

I called back again in XXXX, as i still never received anything and was told the same thing again. I asked to speak to a manager who assured me he would take care of the issue but it would need to be escalated again and he also has no contact with the other team that would be handling the case. 
-Far as the mailed report I was told they have my address wrong which is why i've never gotten the mailed report. To have any inaccurate information on my credit report is a violation of the FCRA. 

Here i am XXXX XXXX and still having the same issues. I've called again today only to have the same information told to me. I'm not patiently waiting any longer for something is my RIGHT to have access to. 

Case numbers i've been given at all individual calls : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (CA)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BE REMINDED BY THIS VIOLATIONS/LAW ALSO : According to 15 U.S.C 1681 section 602 A , I'm entitled to privacy rights. Additionally, 15 U.S.C 1681 Section 604 A Section 2 prohibits a consumer reporting agency from providing an account without my written consent. Furthermore, 15 U.S.C 1681c. ( a ) ( 5 ) stipulates that consumer reports can not include certain adverse information beyond a seven-year period from the date of the report, except for crime convictions. Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it's prohibited to provide inaccurate consumer information to any consumer reporting agency knowingly or with reasonable cause to believe it's inaccurate.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-02-01
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. (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. I told XXXX, XXXX, and Equifax to reinvestigate this account that is with 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. I also have no written agreement or obligation to this company whatsoever. Additionally, 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

According to the IRS, an unpaid charge-off is income and according to the FCRA income can not be reported on a credit report. I am requesting a XXXX ( Cancellation of XXXX ) from the below charged-off accounts. Please send the XXXX form. 

XXXX - Account number XXXX Amount {$2600.00} XXXX - Account number XXXX Amount {$4400.00}
Consumer complaint received 2024-01-08
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. (OH)

I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED OR USED, WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.
Consumer complaint received 2024-04-21
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: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2024 pay pal credit took XXXX from my bank account i had automatic payment set up for XXXX dollars i called and complained they on XX/XX/2024 I received and email saying it was there error and they will reverse the payment on XX/XX/2024 they charged my account XXXX but have not returned my XXXX dollars I called pay pal credit they said they will put in for a check to be mailed to me still have not received the check
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

In accordance with the Fair Credit Reporting Act SYNCB/AMAZON # XXXX, 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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (GA)

I applied for a PNC Card, and I had a very high score of XXXX. I was given 4 reasons for being denied of which NONE matched my credit report. I asked them for a reinvestigation, and I was denied. This company fraudulently denied me and gave me false reasons for denying me. The attached report was from the time period they pulled my credit. This company blatantly lied and refused to fix the error.
Consumer complaint received 2024-04-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (CA)

When my XXXX  was XXXX of XXXX in XXXX, we took out an equity line in the amount of {$100000.00} to pay for medical bills. The loan was then an adjustable loan and I could lock in the rate then when it was low. During that time, I had my payments on autopay. Because of an increase of an amount under {$5.00} the Bank said I was late with my payment and took away my privilege to have an option to lock the rate. 

Because I was out of the country, I could not receive mail and I could also not log in to my account to see what was going on. 

Over the years I called them multiple times to explain my situation and ask if they could give me back the option to lock my rate. They denied me the option. 

It is now XXXX  years later and the principle amount is still {$90000.00} because interest rates are climbing and I could not lock the rate when it was around 5 %.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2024-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MA)

I asked XXXX representatives how to consolidate my personal undregraduate/graduate loans- which are held by XXXX  after consolidating in XXXX - into a direct consolidation so that my old loans could qualify for PSLF. Currently, the Dept. of Ed does not know I have been paying loans for over 25 years because I have a private servicer. I asked XXXX on more than one occasion if I can consolidate a private loan and I was told yes and to apply for consolidation through the StudentAid.gov which I did on XX/XX/XXXX. My account indicates that that request is processing but I was told by XXXX to contact Aidvantage, which processes consolidations. I spoke with a representative at Aidvantage on XX/XX/XXXX and she told me that the application was cancelled because they do not consolidate private loans. If I don't consolidate my {$47000.00} undergrad/grad loans before XX/XX/XXXX, I'm afraid that they will never be considered for PSLF even though I have been working for a non-profit for 25 years and making payments on these loans for longer than that. I'm sending in a complaint because I don't know who to contact or trust. Do my loans qualify for PSLF, or not? I'm running out of time and I need some clarity in order to make an informed financial plan as I start to pay off my sons ' college loans this year.
Consumer complaint received 2024-04-19
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. (NH)

Subject : Complaint Regarding Unauthorized Transactions on Chase Card with XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase and XXXX XXXX for unauthorized transactions that have occurred on my Chase card in late XXXX XXXX XXXX XXXX. I discovered several XXXX XXXX XXXX in transactions for merchandise that I neither expected nor received, all related to transactions on 3 of my credit cards including my Chase card. 

Despite my efforts to seek help and information from the merchant, I have been met with no success. Chase has unfortunately deemed these transactions as valid, a decision with which I strongly disagree. I am requesting all tracking information and any other relevant details provided by XXXX XXXX to Chase regarding these transactions. 

Furthermore, it is important to note that despite tracking numbers indicating that items have been delivered and received, this is not the case. I have not received any of the merchandise purportedly associated with these transactions. 

In addition, I have provided evidence showing that both my XXXX XXXX and Chase account were compromised, further substantiating my claim of unauthorized transactions. I have also sent emails to the merchant, who has been unresponsive and unhelpful in addressing my concerns. 

In light of these unauthorized charges and the lack of cooperation from the merchant, I have taken the step to file a preliminary police report. Furthermore, I intend to provide additional information to my local and state authorities regarding XXXX XXXX, as I suspect that my personal information may have been shared by third-party sellers on the XXXX platform. I firmly believe that I have been a victim of fraud and have received no benefit or service from this merchant. 

For context, XXXX XXXX is a platform that hosts various third-party sellers in an auction format. I am seeking the initiation of a formal investigation against XXXX XXXX to facilitate the recovery of the funds that were charged to my Chase card. 

To provide specific instances, one of my Chase cards resolved an {$840.00} charge related to XXXX XXXX, while my XXXX XXXX XXXX card resolved approximately {$6000.00} in charges linked to XXXX XXXX. I am particularly concerned about my other Chase card, which incurred charges totaling around {$18000.00} related to XXXX XXXX. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and assist me in resolving this issue promptly. Your support in recovering the funds and holding XXXX XXXX accountable for their actions would be greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-01
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-15
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. (IL)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

According to XXXX v XXXX  XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX 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 2023-12-05
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 (PA)

I was trying to purchase a house and I received a copy of my credit report and found these items to be incorrect. According to act 1970, 15 U.S.C SS 1681 et esq., I demand that these items be reinvestigated and deleted from my credit report. This is defamation of character. 

XXXX : AFFIRM INC XX/XX/XXXX {$830.00} AFFIRM INC XX/XX/XXXX {$330.00} AFFIRM INC XX/XX/XXXX {$330.00} XXXX XX/XX/XXXX {$8500.00} XXXX : ( hard inquiries ) XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Please note, this is not a duplicate complaint, this complaint is due to new evidence on my report of incorrect information on my report. 
I'm not using any third party for this matter. 
I have mailed dispute letter to Equifax for incorrect information on my report : regarding of account - XXXX, XXXX. - XXXX I asked Equifax to remove this account from my report as it shows incorrect information, Equifax has sent me a letter that information was verified as an accurate. I have included the copy of my report from Equifax, that I highlighted incorrect information. They didn't update any information on my report as a fact they didn't investigated properly. They keep reporting on my report incorrect information, such as AVALIBALE BALANCE, How account can display available balance if it shows closed?. The payment history of the account is also incorrect. 
The similar situation with XXXXXXXX XXXX XXXX - XXXX. The balance is incorrect, it shows available balance, while account is closed, the payment history is incorrect, the date of las activity is incorrect. 
According to FCRA my report should provide ONLY CORRECT INFORMATION, otherwise incorrect info must be deleted. 
I have included ALL supportive documents for this matter with copy of my report from EQUIFAX.
Consumer complaint received 2024-06-20
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. (NC)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I have repeatedly tried resolving this issue with all three credit companies. They have refused all of my requests and how not blocked my ability to submit complaints via online. On their website, it states that the issue has been resolved. However, when I try to submit another complaint it states that there is a dispute in progress. 

This is my recent response that I am unable to submit to all XXXX credit bureas regarding inaccurate information on my account. I will be submitting this to the Department of Treasury as well as any other Bureau whom this information pertains to.