davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
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. (TX)

I Have Tried Every possible way to cooperate with Equifax and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have a account on my credit report that are charge offs but I never received a XXXX from the creditors which they have received a tax wrote for them.. and this debt shouldnt be reported on my credit report I have also requested them to update my personal information as I provided them with a form of id my social security card and proof of residence and my phone number. It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

Hello, About 5-6 months ago, I tried to cancel my card before the annual fee was issued in it. I contacted XXXX, and they closed the card. Not the account. I didnt have access to my online portal. Upon coming back from vacation, I noticed I had mail from XXXX saying I didnt pay. I was worried because I didnt wan na ruin my credit score. I instantly tried to go on my citi account online and pay even if it isnt my fault. But I didnt have a card anymore so I couldnt reset my password and make the payment. I contacted XXXX via the phone and the customer service rep told me not to close my card, he solicited me to keep my card and that Ill get a XXXX $ credit to use which will offset my XXXX $ balance. I said okay thats fair, and ordered a new card. I tried using the card and it got denied. I contacted XXXX again and yet again they confirmed I just need to use XXXX $ and the balance will clear. I tried using my card again and still nope. And this final time I spoke with XXXX just now, the guy was threatening to report me for refusing to pay my bill. They misinformed me multiple times and this is affecting my credit score. I dont know how to report them for constantly giving me different information but this has been exhausting and frustrating.
Consumer complaint received 2024-05-15
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. (NY)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-02
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
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. (NC)

I am submitting a complaint today to inform you that I have been a victim of fraudulent activity. Upon researching how to remove the fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) website at https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries that have been posted to my report. Here is a list of items that were opened without my authorization : XXXX : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As per FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving the report.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (NJ)

I am submitting this complaint online to the Consumer Financial Protection Bureau regarding the inaccurate reporting of a charge-off on my credit report by Navy Federal Credit Union XXXX The account in question was established in XXXX, yet the charge-off is erroneously dated for XXXX. This misinformation is adversely impacting my creditworthiness and ability to access credit, housing, and loans. 

Additionally, I recently discovered that two payments {$600.00} on XX/XX/XXXX and {$43.00} on XXXXwere withdrawn from my account without my authorization. I request that these unauthorized payments be refunded promptly. Furthermore, the dates and comments associated with the charge-off on my credit report appear to have been manipulated, prolonging the negative impact on my credit history beyond the appropriate timeframe. 

Despite the adverse effects on my financial well-being, I did not receive any official correspondence or notification from Navy Federal Credit Union regarding the charge-off or the unauthorized payments. Furthermore, I have faced financial hardship due to unemployment resulting from injuries. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to rectify the inaccuracies on my credit report and ensure that I am refunded for the unauthorized payments.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

HSBC bank has a debt from a credit card that was opened fraudulently in my name. I never owned this card and Ive been trying to get it removed from my credit via disputes with the credit bureaus. This is not my debt.
Consumer complaint received 2024-05-14
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. (MO)

I opened a experience  account i think 2 years ago and never used it or logged in and when i tried logging in it wouldnt let me, yesterday i got a call from a loan company and was asking if i still had the vehicles i told them what vehicles i dont have any they told me i should call credit bureau so i tried logging in experian i was able to login it showed a different credit score than XXXX XXXX and showed i opened account and loaned from XXXX  XXXX XXXX and that i owed i think 2 cars which total i think XXXX, the name on my account showed as XXXX XXXX i think from Texas, I tried login back and it didnt let me i guess the person using my stuff changed password or I dont know but i cant logging nomore i tried talking to someone on the phone from experience  it doesnt give me the option to talk to someone, now i see why i couldnt never get approved anywhere, can you please help me fix this problem
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-08-22
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 was really taken aback to discover inaccurate accounts on my credit report this morning. I have no idea what caused this. I reviewed my report as I typically do, but suddenly there were discrepancies. I tried refreshing my browser to fix it, but the errors persisted. I need the documents Ive provided to be reviewed carefully so I dont have to XXXX  about this issue again.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

For over six months I have been disputing a payment made to Nationstar mortgage co. from my XXXX XXXX XXXX XXXX bank account on XXXX XXXX, 2015. This dispute has been going on since XXXX and I 'm still trying to resolve this matter. I 've sent Nationstar multiple faxes to document the payment made on XXXX XXXX, but nothing I 've sent resolves this matter to my satisfaction. I have talked to multiple customer service agents, but no one has managed to fix this for me to date. I 've faxed Nationstar my bank account statements from XXXX & XXXX and, according to their records, a payment of {$1900.00} was transferred by my bank to Nationstar on XXXX XXXX which has yet to be acknowledged by Nationstar ( see attached pdf document ). I have furthermore e-mailed all the documents for Nationstar 's files so there is no dispute that I 've provided the company everything that they requested. 

Since XXXX my mortgage has become delinquent because they have not acknowledged my payment, thus I 've had to make additional payments to catch the account up. I 've received multiple assurances from the customer service department that this matter will be resolved, but no one has resolved it to date and I 'm out {$1900.00} plus late fees now ( over {$1500.00} by Nationstar 's accounting ). 

I am extremely disappointed in how Nationstar has handled this matter and I plan to follow-up with legal counsel to determine my options.
Consumer complaint received 2024-06-03
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. (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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXX TX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 2023-10-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Business Factors (NV)

The medical date of service in dispute is XX/XX/XXXX for XXXX at XXXX XXXX XXXX ( CTH/provider ). I communicated with CTH for months regarding their billing errors between my primary ( XXXX ) and secondary ( XXXX XXXX ) insurance companies. Providers often bill the XXXX XXXX as primary and it causes delays in payment or denials, etc. as happened in this case. I notified XXXX in writing and via telephone that this bill needed to be billed properly. They finally rebilled XXXX XXXX and it was denied. However, the Explanation of Benefits statement indicates, " We have denied all or part of this claim. However, you ( meaning me the patient ) are not responsible for paying the billed amount because you received this service from an XXXX XXXX XXXX  ( PPO ) provider ... '' and " my share '' shows as " XXXX ''. Therefore, I am NOT responsible for this medical debt. 

I ironically tried to make " good faith '' payments to AVOID going to collections as I had hoped they would get the billing corrected and accept XXXX XXXX 's decision. However, XXXX simply REFUSED to accept that XXXX XXXX denied this claim and still refuses to adjust the bill based on the fact that I have two insurance companies. They have been paid and they are not owed any additional monies. 

Despite this, CTH and National Business Factors continued to harass me, send bills, and ultimately reported me to the credit reporting agencies in XXXX of XXXX. This was despite all of my efforts to communicate, provide documentation and act in good faith. The bottom line is that I do not owe anything additional for this date of service. In fact, I am owed a refund of {$150.00} in good faith payments I made in error. 

National Business Factors used coercive debt collection tactics and did not communicate properly with me. They placed the account in " dispute status '' pending the " outcome of their investigation '' in XXXX of XXXX. I never received notification of the outcome of their investigation. Instead, they reported me to the credit reporting agencies and my excellent credit score of XXXX was reduced by XXXX points. I feel harassed. I feel like National Business Factors acted illegally in terms of fair debt collection practices. Both XXXX XXXX XXXX and National Business Factors have caused me financial hardship and stress plus damage to my credit score. I no longer use XXXX XXXX XXXX due to their harsh billing practices and unwillingness to communicate with patients regarding disputed accounts.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-14
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. (IL)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.