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

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NV)

On the XXXX of XXXX at XXXX went to withdrawal money from ATM ( chime ) and was unsuccessful, when I tried logging onto bank my account via mobile it said account not active, goodbye. I called them at XXXX spoke with representative from chime who stated that my that my accounts ( checking and credit card builder. ) had been authorized to be closed by their specialized team. I had asked them why it was closed they stated that I was noncompliance. I proceeded to inquire what specific noncompliance policy/ membership did not adhere to. they were unable to answer my request or give me more information in regards to why my account was closed, I proceeded to ask to be transferred to a supervisor, But was unsuccessful. The representative stated that there is nothing he can do and he disconnected the call. The following day I called back Customer Service which then stated that they were going to transfer me to a different department and that department ended up hanging up on me without even getting any type of information when I tried calling back the number would not let my phone call go through it automatically block my calls, I then proceeded to ask my fianc if I can call from his phone, I then ended up speaking with a representative that told me that he was going to be able to reopen reinstate my account to give him a couple of minutes, he then transferred me over to another representative, which was a different department that stated that they were unable to assist me in reopening the account that had sufficient funds, and that I would have to wait 30 to 60 days for them to issue out a check via mail, my checking account and credit card builder had sufficient money. I have my direct deposit from my employer and my tax return going to those accounts. I also requested if they could temporarily open the account so I may withdraw my funds from there they were unable and unsuccessful to assist with that. I also asked if it was possible that they can give me more information in regards to To which part of the noncompliance policy was not followed, nobody was able to give me an answer. I told him I have my rent to pay my kids to feed my bills to pay, This is the only Direct account that I use to make payments and transfer with. I have also filed a complaint with the XXXX XXXX XXXX. They directed me to contact the consumer financial affairs to see if there may be something this company can do to expedite the process of getting my money back. I need to pay my bills and feed my kids buy groceries. Pay my bills and I am unable to do this now. I will have late fees from my rent, and late fees for my bills I find this completely unfair and unreasonable that they are not able to work with me to be able to to get my funds. I also would like to state that I do not have a statement from them when I asked them for a statement they would said that they would not be able to send me one until they issue out the check.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

My Equifax account has been locked for the past 8 months. When I log into my account, I am unable to see my credit score, and everything is blank. I have reached out to Equifax numerous times to fix this issue. I have sent them a copy of my driver 's license as well as proof of address to unlock my account, yet it is still blocked.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EQUIFAX, INC. (FL)

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation. 

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time. 

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
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. (CA)

I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. Please consider the significance of this issue and its impact on my financial wellbeing. XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (TX)

First of all I owed an certain amount on my credit card that was higher last month than this month. I paid a monthly payment that was less than this upcoming payment and owed more money last month than this month. Please see attached information.
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (TX)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (NJ)

I was giving XXXX XXXX {$200.00} every month and they fix the problem and now everythings coming back to set me an a corner trap is like the Law firms scamming where I do when it comes to me getting a job
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this letter reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. 

I discovered unauthorized transactions on my account and immediately reported the fraudulent activity to your customer service department. While I appreciate the initial steps taken to address the matter, I am distressed to inform you that the fraudulent items have not been adequately removed from my account. 

Despite providing all the necessary information and documentation as requested, the issue persists, causing significant distress and inconvenience. I am increasingly alarmed by the lack of progress in resolving this matter and the potential impact on my financial well-being. 

I urgently request your immediate attention to this issue and a thorough investigation into the reasons for the delay in removing the fraudulent items. I insist on a swift resolution to rectify the unauthorized charges and restore the full amount to my account. 

Furthermore, I seek transparent communication on the steps being taken to resolve this matter, as well as concrete assurances that my account will be safeguarded against any future unauthorized access. 

This situation has caused me significant stress and frustration, and I trust that your company will take the necessary actions to rectify the issue promptly. Failing a satisfactory resolution, I may have no choice but to escalate this matter to relevant regulatory authorities. 
I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-05
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC (LA)

In response to the company who uploaded a contract that I dont even have. They uploaded a contract showing an amount but when I called and requested one they sent me a contract with a different amount. They uploaded a license thats been lost and and address that I have not resided at in over 8 years. I am providing my bill with my address, my identity as well as the contract that was sent to me. This is not the same and I am willing to take this legal if this tradeline is not removed.
Consumer complaint received 2024-02-04
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 reviewed my consumer reports and noticed that I had 3 hard inquiries on credit report which I did not authorize. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and maximum accuracy. I demand these inquiries to be removed as they should be due to the fact that I never authorized. Thanks, Please see the below inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-04
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. (TX)

XXXX XXXX XXXX updated my credit reports in XXXX reflecting 30 days late in XXXX. While in XXXX, my account reflected current. In reaching out to them, the response I keep receiving is the system is generating the updates. Reviewing my credit report, they are updating at least 3 times a month. In XXXX, my file was updated on XXXX XXXX & XXXX. My XXXX file was reported late on but then revised to reflect current on XXXX. At that time, XXXX and Equifax reflected current. On XXXX, both XXXX and Equifax are reflecting late in XXXX while XXXX is still reflecting current.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}
Consumer complaint received 2024-02-04
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. (FL)

As a new mother XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to express my deep distress and frustration regarding the inaccurate information that has been reported on my credit file. This situation has placed an immense burden on my family, causing emotional turmoil and financial strain that we can ill afford. 

Navigating the challenges of motherhood while coping with the repercussions of an unjustly damaged credit report has proven to be an overwhelming experience. As we eagerly await the arrival of our second child, the financial stability and peace of mind necessary for a growing family have been compromised. 

Furthermore, I want to bring to your attention that you have violated the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a 2Ai by reporting transaction or experience payment history and credit utilization on my consumer reports. Congress clearly states that this information is not to be included in consumer reports. This not only impacts my financial standing but also infringes upon my right to accurate and private credit reporting.

Additionally, my right to privacy has been violated, as outlined in 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. The inaccurate information on my credit report has exposed personal details that should have remained confidential, adding another layer of distress to an already challenging situation.

I kindly request the Consumer Financial Protection Bureau 's intervention to expedite the resolution process and address the financial hardships my family is enduring. I am not only seeking correction of the errors on my credit report but also fair compensation for the emotional distress, financial strain, FCRA violation, and the violation of my right to privacy. 

If these requests are not granted, I want to emphasize that I am fully prepared to exercise my legal rights as a consumer and initiate the arbitration process. The arbitration process will not only underscore the gravity of this matter but also incur additional costs for the involved parties. The business filing fee is {XXXX} for a decision without a hearing, {XXXX} for one arbitrator, and {XXXX} for three arbitrators, with a {XXXX  case management fee for one arbitrator, XXXX for three arbitrators, and a XXXX hearing fee. Arbitrator fees are {XXXX  for no hearing and {XXXX} for a hearing.

I sincerely hope that a fair and timely resolution can be reached without resorting to the arbitration process, and I appreciate your understanding and assistance during this critical time. Your prompt intervention can make a significant difference in alleviating the burden on our family and ensuring a more stable and secure future for my children. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I requested original documentation from these companies reporting this inaccurate information on my credit report .No response was provided. 
They have violated my rights 15 USC 1681 c ( a ) ( 5 ) Section States -No consumer reporting agency may make any report containing any of the following items of information [ Any other adverse item of information, other than records of convictions of crime, which antedates the report by more than seven years }
Consumer complaint received 2024-02-04
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. (TX)

I filed a XXXX  complaint with the company XXXX XXXX  regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity so why is XXXX reporting a date last active as of XXXX, while Equifax reports a date last active as of XXXX? Both are untrue, and inaccurate! This account is to be removed from my credit report due to FCRA violations. The correct information is below. I will be keeping record of our correspondence for court records. Also, I have proof from XXXX XXXX  that the information being reported is inaccurate. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Current Balance : XXXX
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC (OR)

I recently filed a formal complaint and received a response that was completely fabricated. Furthermore, I have experienced retaliation from the company after filing the initial complaint with my credit limit being decreased and adverse action even though a recent payment has been made. 

I will blast a bad name for this organization going forward and am appalled at how they treat customers and increase fees as they see fit. As a person with a XXXX level education, to the CFO of this company, not sure how you sleep at night knowing your company is the exact thing wrong with this country. Terrible display of corporate power to stomp on the little guys trying to stay above water.
Consumer complaint received 2024-02-04
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. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.