davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

My recertification date is XX/XX/XXXX on XXXX XXXX. However, under their guidance on the student loan pause, XXXX says " The earliest you could be required to recertify is XX/XX/XXXX. On your account " My Aid '' page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' Based on this guidance, my recertification date should not be until XX/XX/XXXX as it should be pushed out a year after XX/XX/XXXX. I filed my taxes married filing jointly based on this guidance. Otherwise I would have filed married filing separately to get a lower monthly payment. My payment will go up by over {$1000.00} a month based on this incorrect information, which I can not afford.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This account payment history is incorrect. Asked for statements showing late payment being received. The company didnt provide. Furthermore, the company held up unemployment benefits, where the money would have been used to pay auto loan accounts. Then reported the account as late. Payment History should be updated so reflect NEVER LATE or the four year old account should be removed from all credit agencies. Money settlement didnt resolve this issue.
Consumer complaint received 2024-07-24
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. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally address a significant error in the credit reporting for my account ( XXXX ) managed by XXXX XXXX XXXX XXXX XXXX. I contacted you in XXXX to correct this and you provided proof that I dont owe you and still continued to report incorrect info for XXXX and XXXX. My account has been incorrectly reported as having late payments for the months of XXXX through XX/XX/XXXX, and XXXX through XX/XX/XXXX. This is clearly inaccurate ; all payments were completed on time. Furthermore, this account was settled in full by my insurance company in XX/XX/XXXX following a total loss of the vehicle. 

The account currently incorrectly reflects a status of Charged Off with late payments over 30 days, which is a clear error and misrepresentation of the actual account status. This incorrect information is adversely affecting my credit standing and must be addressed immediately. 

Please be advised, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have accurate and complete information reported. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) emphasizes the obligation of furnishers and credit bureaus to report precise information about consumers. I have the letter from XXXX and the insurance claim docs proving all debts where cleared years ago. 

I have previously contacted your offices regarding this matter and yet the issue remains unresolved in XXXX! This continued reporting error not only undermines my financial integrity but also suggests a systemic issue within your reporting processes. 

I urge you to rectify this error immediately and confirm in writing once the correction has been made to the credit bureaus. Failure to resolve this matter promptly will compel me to take further action, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ) and I have now involved the CFPB, and will consider legal remedies under the FCRA.
Consumer complaint received 2024-05-19
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)

XXXX XXXX XXXX Reported : XXXX. XXXX, 2024 {$25000.00} Is an account opened by Identy theft, I success fully disputed with the other!
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

I was a victim of a phishing scam and XXXX was taken through an unauthorized link in a message. I contacted Chime to dispute the charge. I have not been able to talk to anyone directly in the dispute department. They are not offering a credit until the investigation is over. I filed the dispute on XX/XX/XXXX. Im getting the run around every time I call the Chime customer service number. I already contacted XXXX. XXXX who told me to contact Chime. XXXX XXXX is a fake business that takes the money in this case. There is no contact information for them. I have told all this information numerous times to many people at Chime. I just want my money back in this dispute. I need help because Chime refuses to do anything
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

ON XX/XX/XXXX I RECEIVED MY CREDIT REPORT.ON XX/XX/year> I SENT AND COPY OF MY BANK STATEMENT AND GOVERNMENT ID.SHOWING my NEW ADDRESS AND STATING THAT I ONLY WA

NT ONE ADDRESS ON PROFILE. YET YOU CAN NOT FOLLOW SIMPLE INSTRUCTIONS. REMOVE ALL OLD ADDRESSES, AND PHONE NUMBER, AND EMAIL ADDRESS AND JOB 'S. ONLY ONE ADDRESS AND YOU HAVE INACCURATE INFORM
ATION ON MY CREDIT REPORT. THAT'S A VIOLATION FALSE MISLEADING. THE ADDRESS U HAVE IS INACCURATE AND ITS CAUSING AN NON VERIFICATION LOCK ON MY ACCOUNT, WHEN I TRIED TO LOGIN IN OR VERIFY MYSELF.
Consumer complaint received 2024-05-19
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. (TX)

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 Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2024-08-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within XXXX  days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 
For my debt validation methods these are the things I would require from you. I would require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. 
2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action. 
3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency. 
4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 
Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 
Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Note***I received the Proof of Agreement and the Debt Details, but I did not receive the Bonding Insurance or the Chain of Title. Additionally, I noticed on my credit report that it shows a voluntary surrender, which I did not initiate. The vehicle was repossessed while I was making payments and was taken from the repair shop without my consent. '' I called numerous times to get this handled but no response. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-05-19
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. (TX)

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 Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-19
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX 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 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I was contacted by phone by Synchrony Bank regarding my XXXX XXXX XXXX XXXX. I told the rep that I get paid near the end of the month and to schedule my payment on XX/XX/XXXX. He told me he would note that in my account. 

On XX/XX/XXXX, I was contacted again by Synchrony Bank. I told the new rep that I had spoken to his colleague and there should be a note in the account that the payment would process on XX/XX/XXXX. He told me he saw the note but at the time of the previous call that was too far into the future to schedule the payment. So I proceeded to give him my payment information so that this new rep could schedule my payment for XX/XX/XXXX. 

My other cards ( XXXX, XXXX XXXX and XXXX XXXX ) all pulled on the scheduled date of XX/XX/XXXX. 

I received a call from Synchrony on XX/XX/XXXX stating that I was past due. I told her that her colleague said they would be pulling my payment on XX/XX/XXXX and asked what happened. 

She put me on hold for several minutes and said there was a system error and that something with my payment information must have changed. All other creditors had no problem processing my payments on that day. 

I ask how long after making my payment will I be able to use my card. She said 24 to 48 hours to process the payment and remove the hold. 

She takes my payment information, gives me a confirmation number, then informs me that my card has been closed. She said she would get me over to customer service to see if they could get my card opened again. Her name XXXX. 

She transferred me to XXXX in Customer Service who said there was nothing they could do to help me. 

I am incredibly frustrated that while I was in communication with the bank it was never communicated with me that the account was closed or in danger of closing. I made several good faith efforts to pay my account and I'm being penalized for their system error. 

Why was I only informed I could no longer use the account AFTER I made the payment? 
Why did no other rep inform me that my account was closed? 

It feels like they get to shrug their shoulders and leave their customers twisting in the wind when they have a system error or " glitch '' that they say there is no further information on.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (VA)

Excessive over draft fees on items that are not posted to account until the day of direct deposit is posted ... on the XX/XX/XXXX I received my pay check as a direct deposit of {$340.00} and my direct deposit has been occurring every two weeks for the past three years now..When I checked my checking account on XX/XX/XXXX I had a positive balance ; no notice of an insufficient funds of - {$36.00} & - {$30.00}. When I checked my balance on XX/XX/XXXX I had two debits posted of {$36.00} & {$30.00} along with the credit of the occurring direct deposit of {$340.00} plus over draft fees of {$72.00}. This is outrageous and an overt attempt to steal money from customers ... Other banks I deal with do not charge over draft fees if debits comes in around the same time as a recurring direct deposit..I thought all banks follow this procedure and I was told by the woman who answered the XXXX, VA bank branch phone that BB & T does not participate in such a feature.
Consumer complaint received 2024-05-19
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. (TX)

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 : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXN XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-19
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. (IL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-05-19
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. (WA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate those item 's for me to ensure accuracy Here is the item Im asking you to verify as accurate XXXX XXXX Account number : XXXX
Consumer complaint received 2024-05-19
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. (GA)

XXXX, XXXX, & Equifax consulting to violate my consumer rights. The account listed as XXXX XXXX Account # XXXX is supposedly being verified by each consumer agency but they do not provide me with the information I keep requesting to follow up with the company to do my own investigation. The consumer agencies are required to do reasonable investigation into each dispute. Furthermore I did not sign up for any services that they provide so under who authority do the consumer agencies have to report this account? It is my belief the consumer agencies are only reporting this information because they make money by selling consumers information. 

XXXX XXXX ( Commission File Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Telephone : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Telephone : ( XXXX ) XXXX EQUIFAX INC. 
( Commission File Number ) XXXX