davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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)

Despite my prior seven attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. 

I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX : {$610.00} /Prev. late open XXXX  XXXX XXXX XXXX : {$87.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2024-05-17
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. (NC)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e XXXX XXXX ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX XXXX XXXXXXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be XXXX!!!!!
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-17
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. (NE)

Today, I reviewed my credit report and noticed several hard inquiries that I did not authorize. It appears these inquiries are related to automotive loans. 

These are the hard inquiries companies : Inquiry : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (NC)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX  days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c XXXX - Block of information resulting from identity theft XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
XXXX, 15 USC 1681i XXXX XXXX ), 15 USC 1681e XXXX XXXX ) XXXX Equifax Account XXXX XXXX XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX XXXX, Equifax is XXXX to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( XXXX ) XXXX 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be XXXX!!!!!
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (GA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX  XXXX Balance {$3300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$900.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2300.00} UNKNOWN XXXX Balance {$920.00} XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (SC)

XXXX XXXX XXXX is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX there should be no other names or addresses listed on my consumer report. I have provided my identification to XXXX XXXX XXXX on several occasions and they have not updated my report.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (LA)

Wayfair credit card and Citibank is still using the fact that I owe them money which I purposely paid {$50.00} over my usual monthly payment so I can pay them out. What they did they still send me a bill for {$29.00}. The month is almost out now I sent the payment at the end of XXXX just so I could get the payment under {$300.00}. They never posted the payment never gave me confirmation of receiving the payment although I know they did because I certified mail both payments to the address that is on the mailing confirmation for XXXX, Pennsylvania. Now my payments {$340.00} and some change which is incorrect but youre my last hope they took the late fees in the interest charges off just to start charging me more after this die down and Im not dealing with it anymore. Willing to speak to the press to bring this to the Supreme Court even the president if I have to, Im sick and tired of trying to pay my debt and instead of taking the money to pay my debt they hold the money orders that are sent, and they dont process them until the next month so they can show that I still owe them money Im tired of it and I need to know where my money is and if theyre not gon na use my {$50.00} please refund it to me. wayfair makes it hard for you to communicate with them. They expect you to message through a chat box and whenever you call its always an automated system face people that you know youre screwing over because I am sick and tired of Wayfair and their selfish tactics.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (VA)

In accordance with the fair credit reporting act these creditors have violated my rights. Under 15.USC1681 Section 602 states that I have a right to privacy, 15.USC 1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15.USC 1666B a creditor may not threat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The companies are in violation are below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
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: CORELOGIC INC (CA)

Subject : Complaint Regarding Unauthorized Hard Inquiry from CoreLogic Credco To whom it may concern, I am writing to file a formal complaint regarding an unauthorized hard inquiry on my credit report from CoreLogic Credco. Upon discovering this inquiry, I contacted the company, and they requested sensitive personal information, including my Social Security number. I found their request suspicious and declined to provide this information. 

CoreLogic Credco suggested the inquiry might be related to a home loan application, but I have never applied for such a loan. Therefore, this inquiry is factually incorrect and must be removed from my credit report. 

I request a full investigation into this matter, including the identification of the party who initiated this inquiry. I expect a prompt resolution and a written response detailing the steps taken to rectify this situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-24
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (AZ)

I was contacted by IQ data International by phone requesting I pay a debt. I had no idea I owed anything to anyone as I have always paid every obligation that was entrusted in my name. I also did not know if this company or person was a legitimate company. The person on the phone representing the company was evasive and their responses were elusive, rude, argumentative, degrading, harassing and extremely aggressive in dismissing any question I asked of them in regards to the company, their website and license, the debt being requested and refused to put someone else on the line after several attempts asking for a supervisor. When a said supervisor finally answered after several attempts by phone, trying to reach someone else, they acted if not worse or as equally disrespectful as the initial representative. I complained that there is no verification other than a person calling to my phone that I owe any debt to anyone. Several days and several attempts later a person from this company sent an email to me after I requested a validation letter. I said ok this would be the proof I need showing this debt is intended for me through a valid company. I then asked for a detailed validation or itemization in response to the amount I believed to be invalid. I received an attachment through email showing amounts that said " forfeited deposit ''. I question the attachment and said this is not a detailed response showing proof of the amount being requested. Why would I owe a " forfeited deposit ''? This amount and explanation makes no sense. I had told what was explained to me was a manager for IQ Data international, that unless I had details in regards to the balance being requested and proof of these charges from the original creditor ( as I never received previous contact from this creditor in the first place saying I owe anything or itemized proof of why I owe this amount ), until then will I acknowledge proof this debt is legitimate and accurate and will I then be inclined to pay. This has not been done and a debt collector from this company is still calling me. I am more than willing to pay something I am responsible for in regards to the original creditor. Over {$800.00} in move out charges without any details is completely outrageous to me. Had I been properly informed the first time by the original creditor and made aware of any move out charges, I would be able to attest to the disclosed charges of this company and validate them directly as well as make payment arrangements for my responsibility. I never received a letter in regards to move out charges in the mail at the address I provided to the original creditor to this day. So I am willing to dispute this balance IQ Data has sent me.
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

My PSLF application in addition to my one outstanding Federal loan was transferred to Mohela in the XXXX XXXX XXXX  XXXX. I applied for PSLF in XXXXXXXX XXXX XXXXXXXX and received a letter from the XXXX XXXX XXXX that my loan qualified and I just needed to wait for it to be transferred to Mohela for them to count my payments. It is not XXXXXXXX XXXX XXXXXXXX and after too many calls to even count, Mohela has made no progress in finalizing my application and they give me different answers every time I call. Over XXXX years of payments are missing from my count and they have been stuck that way for a year. I put my loan in forbearance bc it was their issue that XXXX years of qualifying payments were just missing and would put me over XXXX payments. I am now about to be transferred to a different servicer and am so scared that my information will not be accurately transferred.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (GA)

I received a notice in the mail that the interest rate on this card would be increasing to 34.24 %! My only option is to close the account, which I did, but how are they getting away with such a ridiculously usurious interest rate?
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/2024, Citibank received my Disputes and request for information. certified tracking number # XXXX and certified tracking number # XXXX it has been well over the timeline required by the FCRA to conduct a reasonable investigation pursuant to 15 USC 1681s2. yet they have failed to do so and the matter and these accounts are still in dispute. I have not received the required material disclosures pursuant to 15usc1601 ; about the finance charge, apr, optout notices and forms.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (TX)

Chime bank charged me twice for the same transaction on XX/XX/XXXX in the amount of XXXX.I have a screenshot of date and time of transaction that showed I had XXXXafter sending XXXX then next day shows same transaction but remaining balance was XXXX XXXXChime did nothing but tell me the money was not taken but I have screenshots showing different.
Consumer complaint received 2023-08-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

XXXX Discrimination & XXXX in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. 
This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.
Consumer complaint received 2023-04-27
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: Fidelity National Information Services, Inc. (FNIS) (MN)

A Representative from the Federal Trade Commission informed and told me to send the attached IdentityTheft.gov report to Chex Systems to dispute inaccurate information on my Chex Systems Consumer Report ID : XXXX and have Chex Systems delete and remove the inaccurate information from my consumer report that has been reported to the Federal Trade Commission. The following account and inquiries currently listed on my Chex Systems Consumer Report ID : XXXX is inaccurate and fraudulent : XXXX XXXX XXXX, XXXX, {$16000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX