davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-02
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: EQUIFAX, INC. (OH)

I recently submitted a dispute on XX/XX/year> to validate the validity of the invalidated items below Which Equifax failed to do so. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. 

XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX
Consumer complaint received 2024-07-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

After issuing a credit line of {$1000.00}, and after months of regularly scheduled payments, Care Credit, through Synchrony bank.in XXXXXXXX XXXX reduced the credit line to {$530.00}, the approximate pending balance, even though the account is in good standing and there was no attempt to use the additional funds on the line. These actions serve to negatively affect my credit scores with all 3 credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. These have taken similar actions against accounts in my husband 's and daughter 's names, both of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Consumer complaint received 2024-05-02
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: EQUIFAX, INC. (IL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (GA)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2024-05-02
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)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate.
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. (CA)

EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE BLNK THAT NEEDS TO BE FIXED.
Consumer complaint received 2024-05-02
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)

I requested dispute twice but Equifax doesn't start it. As a consumer it is my right to start a dispute. Equifax reports a Fraud information in my report. It is not mine. It is Fraud and Identity Theft. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (VA)

Our mortgage lender recently pulled our credit report ( XX/XX/XXXX ) and almost immediately upon pulling our report I started to receive unsolicited calls and texts from other mortgage brokers. The credit reporting agencies released my information to third party companies. The calls were never ending and clogged up my phone to the point I had to block all calls except those on my contact list. On XX/XX/XXXX I started receiving new unsolicited calls at XXXX until XXXX. I received 34 unsolicited calls throughout that one day! Ive included screenshots of all the calls I received today ( XX/XX/XXXX ). Why are the credit reporting companies allowed to sell my information without my permission? Its wastes my time which is lost productive hours I could be using to make more income.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I request to close my account beucase I never use the card. However, American Express did not let me know the annual fee is not refundable and close my account directly. 

The point is : I never used the card, and they charge me XXXX $ for the annual fee.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Ref : Urgent Complaint Regarding Fraudulent XXXX Transaction Dispute through Navy Federal Credit Union of a XX/XX/year> transaction, after much back and forth deliberation i'm being stonewalled by my bank, many months of waisted time all during hardship and family deaths, so i need help to make this right, i'm out XXXX with no one paying me interest on my funds some fraudster finagled from my account, i'm a XXXX XXXX who needs government protection/help, least you can do since i risked my life and all To whom it may concern, I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the handling of a fraudulent transaction issue by Navy Federal Credit Union ( NFCU ), where I have been a loyal customer since my military service. 

On XX/XX/year>, a fraudulent XXXX transaction of {$570.00} was made to an unknown individual, XXXX XXXX. Despite my immediate dispute of this transactionemphasizing that I never engage in such large XXXX transfers, nor know anyone by that nameNFCU has failed to provide satisfactory resolution. Their repeated rejection of my claim, citing technicalities about XXXX, does not align with the robust fraud protections promised through their affiliations with XXXX and XXXX. 

This ordeal has been ongoing since late XX/XX/year>, and despite my persistent efforts to resolve it internally with NFCU, I have encountered nothing but delays and unhelpful responses. Their insistence on pushing responsibility back to me, without credible evidence or acknowledgment of the anomaly in my transaction history, is unacceptable. 

Given the severity of this matter and the implications it has for my financial security, I am now seeking your intervention. The lack of accountability and transparency from NFCU suggests either a significant security breach or negligence that needs urgent investigation. I must emphasize that this issue is not merely a financial inconvenience but a potential breach of trust and security. 

I kindly request immediate escalation of this matter to ensure a thorough investigation and resolution. My legal counsel has advised pursuing external intervention if NFCU continues to dismiss my concerns, and I am prepared to take necessary actions to protect my rights. 

Please consider this communication as a formal escalation of my complaint and a plea for swift action. I am eager to cooperate fully in any investigation and provide any additional information that may assist in resolving this issue promptly. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-02
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. (MI)

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 XXXXXXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, has violated my rights. 


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 2024-05-28
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: Experian Information Solutions Inc. (GA)

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

In Section # 2 There was no choice for the problem I have Sorry did the best I could selected. I even called you folks, your representative could not even recommend a correct option. OTHER would be good to have. 

To Whom it may concern, My complaint is regards to Equifax Credit Reporting agency. My issue started when I went to my local branch of the XXXX  XXXX XXXX. To see where I stand in applying for a home loan. This occurred on XX/XX/XXXX. Days later I received a document from the bank Notice to Loan Application and according to that document as of XX/XX/XXXX, my Equifax score was XXXX. I immediately called Equifax and told XXXX XXXX I can ensure you your score is higher than that. And that the issue was the XXXX XXXX XXXX  problem. They sent me a document ; it showed my score to be XXXX as of XXXX XX/XX/XXXX. No way did my score change to XXXX  points in the span of nine days. 
Move on to XX/XX/XXXX. Went to a local XXXX XXXX XXXX. And while there applied for a XXXX XXXX XXXX XXXX XXXX Received a document from XXXX XXXX XXXX XXXX XXXX showing my credit score again from Equifax this time my score was XXXX. I immediately called Equifax again. Again, told that is a XXXX XXXX issue. I again asked for my credit score again this time informed it was XXXX as of XXXX XX/XX/XXXX!!!!! NO WAY IS THAT POSSIBLE! 
In both case this issue reflected poorly on me and prevent me from obtaining a higher lXXXX XXXX XXXX and XXXX for purchase of a house. I believe this is a Equifax issue and not the XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. 
I want the following done, A written letter of apology. Proof, such as ticket number, this issue will be resolved and never happen again, and if it does a direct contact phone number so as I do not have to go through a computer-generated phone system. 
ATTACHED DOCUMENTS : 1. Document # XXXX XXXX  XXXX XXXX  XXXX. Dated XXXX XX/XX/XXXX XXXX. Document # 2 ( XXXX & XXXX ) Notice to Applicant from XXXX XXXX XXXX XXXX Front/Back ) Dated XX/XX/XXXX Showing a score XXXX from EQUIFAX. 
3. Document # 3 XXXX dated XX/XX/XXXX from Equifax showing a score of XXXX as XX/XX/XXXX. 
4. Document # 4 Credit Score XXXX Notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX showing a score of XXXX from Equifax. 
5. Document # 5 XXXX  from Equifax as of XX/XX/XXXX, my credit score is XXXX! 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PH # XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

THIS IS NOT A DUPLICATE COMPLAINT. 
MY CREDIT SCORE HAS THE WRONG REPORTED AMOUNT FOR TARGET AND IT DROPPED MY CREDIT SCORE. 
I CAN NOT AFFORD IT ANYMORE FOR HARDSHIP AND ASKING FOR PAYOFF AMOUNT. THEY WILL NOT HELP OR TAKE OFF LATE CHARGES WHILE WAITING TO RESOLVE ACCOUNT IDENTITY THEFT ISSUES.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

Currently on wrong IDR plan. Calculated incorrectly. Should be on the SAVE plan. Instead on SAVE-ALT. MOHELA has contacted my stating that i owe > {$4000.00} per month for student loan repayment when my monthly payment should be {$0.00} based on my income driven repayment plan. I have attempted to call multiple times and filed complaints without any response. MOHELA is being unhelpful and refuses to recognize the problem.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (IL)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Cant get ahold of anybody I have made 3 payments and they have reversed them for some reason stating they cant find my account number one of my XXXX dollar payments went thru so I know they know my account number but yet they still say Im past due on my payments. MOHELA is the worst serving company ever I have tried calling, messaging nothing no answer cant get thru to a real person.. even emailed them sent back undeliverable
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (KY)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-12
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. (FL)

I am processing disputes on my credit report to delete a remove all information listed on my credit profile that has been listed as identity theft. this has caused major delays and does not follow FCRA compliance. all of the accounts listed are invalid. please delete an remove all accounts listed asap to help clear my credit report.
Consumer complaint received 2024-05-01
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. (LA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
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. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance.

15 U.S.C 1681 section 602 A. States I have the rights 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 I will have no choice but to seek litigation in small claims court if this isnt fixed. 
see attachments
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-02
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX