davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My rights were violated for XXXX  years by this reporting agency, which failed to cease negative credit reporting under the Heroes Act of 2020. The Heroes Act provided protections against such reporting during the duration of the Nationally declared disaster, COVID-19 Pandemic ( XX/XX/XXXX - XX/XX/XXXX ). 

The Heroes Act expanded relief during the pandemic and the FDIC, OCC, and Federal Reserve identified ways to assist struggling consumers such as myself, through repayment accommodations. Accommodation included : Extending payment due dates, deferments, and forbearance, none of which was offered to me. I should have not only received protection from negative reporting plus ( XXXX ) days but offered a chance to repay past due balances in equal payments. For debts greater than {$5000.00}, I should have received a XXXX repayment term but instead have seen complete sabotage to my credit history. 

I agreed to settle just for the sake of avoiding debt collectors who called me everyday until payment was received, which was also a suspended practice. Every creditor with negative payment remarks and reporting in my credit file was in direct violation of my rights and this Credit Bureau assisted them in doing so. The negligence has cost me my financial standing and peace of mind. I am not a representative of a credit repair agency, I do not dispute that the accounts belong to me, I am simply an upset consumer appalled by the mismanagement of information and influence during such a dark period in my life.

I have attempted to resolve this issue at the lowest level possible. Rather than meaningful results, I am faced with intimidating language about the FCRAs rules on Legitimate disputes, a fluffy response that has nothing to do with my claim, or a you are a credit repair agency because there is no way this XXXX  veteran could possibly know how to research legal topics. It is unfortunate that all this Bureau must do is type jargon and it suffices as a real response, case closed by the CFPB. I will not let this error continue. I want one of the options proposed as a solution selected and typed in a response. This way I can confirm I am not speaking to an autobot, which is the tone of all responses coming from the bureau.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WV)

I am filing this complaint against Equifax to provide additional information and to clarify what my other pending complaint seeks. I have one complaint with the CFPB pending against Equifax. The complaint number is XXXX. This complaint was submitted on XX/XX/2023. I have attached the pending complaint, along with the information I submitted with it. I am unable to edit that complaint. My pending complaint is very simple. It states : I file this complaint to request that an extended fraud alert be placed on my credit reports for seven years. I have attached a report that I filed with the Federal Trade Commission, along with a report that I filed with the FBI Internet Crimes Complaint Center ( IC3 ). I am the victim of identity theft. All I sought from Equifax was an extended seven-year fraud alert. I recognize that there is currently an initial fraud alert and a security freeze on my Equifax credit report. I wish for these security precautions to remain on my report. I have received correspondence from Equifax indicating that it was unable to verify my identity. To rectify this perceived deficiency in my pending complaint, I have attached my drivers license, my birth certificate, my social security card, and a recent phone bill. Despite its claim that it was unable to verify my identity, Equifax is currently disputing many valid open and closed accounts from XXXX XXXX XXXX and XXXX XXXX on my Equifax credit report. Documentation is attached. There is nothing fraudulent on my Equifax credit report at this time. Nothing contained in the documentation that I submitted with my pending XX/XX/2023, complaint indicates there is anything fraudulent on my Equifax credit report. Equifax has grossly misinterpreted the documentation I submitted. No fraudulent inquiry or account appears on my Equifax credit report. I dispute NOTHING on my Equifax credit report. XXXX XXXX and XXXX XXXX have done nothing wrong. In fact, XXXX XXXXXXXX and XXXX XXXX alerted me to the fact that fraudulent hard inquires were placed on my XXXX and XXXX credit reports on XX/XX/2023, as a result of a fraudulent credit card application to XXXX XXXX XXXX  The fraudulent application was denied by XXXX XXXX XXXX No account was opened. The fraudulent inquiries on my XXXX and XXXX credit reports have been removed. Again, there is currently NOTHING fraudulent on my Equifax credit report. All I wanted was for Equifax to place an extended seven year fraud alert on my Equifax credit file as a precaution. There is NOTHING to dispute on my Equifax credit report. I tried to keep things simple in my XX/XX/2023, complaint, but apparently that was a mistake. Please cease and desist all ongoing disputes involving XXXX XXXX and XXXX XXXX XXXX XXXX! The accounts in dispute ARE NOT to be removed from my Equifax credit report. I NEVER authorized Equifax to dispute anything on my Equifax credit report. Stop this forthwith!
Consumer complaint received 2022-12-19
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. (TX)

I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXXXXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXXXXXX XXXX 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXXXXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account
Consumer complaint received 2018-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I opened an account with capital one 360 and they will not let me connect to it as a payment method. also and this is even more important my father who has been sick for years sent most of his retirement money to his capital one 360 accouns over {$10000.00}. he didn't know the accounts were restricted cause they never let us know they were restricted or had any reason to restrict them in the first place. Now the money is stuck in there accounts and when u call them about it the department they send u to makes u wait at least 4 hours usually more. they said the accounts were closed but my dad 's money is in there it says when u call and it still veifirs his information. Now he has no retirement, he struggles everyday just to put food on his plate. I don't know what to do. I have asked them to close the accounts and send him his money but they will not listen.bi think they are trying to steal it from him honestly. any help would be greatly appreciated. His Name is XXXX XXXX XXXX email XXXX thanks again.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TN)

Navient contacted me in XX/XX/XXXX and told me myou loans would probably be forgiven if I filled out the paperwork they were going to send me. I asked them 3 times on that call if I should at least pay my past due so that my tax refund would n't get taken. They said do n't worry about anything, your loan will be on hold until XX/XX/XXXX this way. Just fill out the papers. So we did, we filled the papers out and sent them back in. We sent them in XX/XX/XXXX. They said we had to send them before XX/XX/XXXX. We did everything ahead of time. We filed taxes and they took our entire refund due to me being delinquent. I have a paper right now that says my loan is still on hold but I do n't have my tax return! I 'm XXXX, my wife had to file injured spouse, the whole refund was hers anyway. My XXXX court date is XXXX XXXX. I have a totally legitimate complaint against Navient. They consistently lie. I never asked for forgiveness. I bet we probably qualified for one of those Income driven Repayment plans too! My {$4000.00} loan turned into {$8500.00} somehow! They are crooked, liars and they 're stuck up on the phone usually. Like I 'm not good enough! Now the loan is totally paid off but we ca n't pay any bills at all right now because they took every penny! We were counting on that refund. My wife is in school because she has to make up for my missing Income. We are broke because of Navient! They 're evil!
Consumer complaint received 2024-01-06
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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: Early Warning Services, LLC (GA)

Privacy ACT of 1974ALL Rights Reserved! My non-public information is being reported WITHOUT my consent! Each company on my consumer have been informed several times. Per the CFRs as a federally protected consumer I am now opting out per 15 USC 6802. Please take note this is my final attempt before federal court papers are filed and each credit reporting bureau who is reporting my NON-Public information will be sued to the fullest extent possible dating back 5 years. 

Also transactional history is illegal to report. Please see letter from FTC to see the deceit and fraud that is happening.
Consumer complaint received 2024-01-06
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: SYNCHRONY FINANCIAL (WA)

XX/XX/2021 I was having XXXX XXXX with a XXXX  related XXXX and had problem making payments due to being out of work. synchrony bank offered a reduced amount that I couldnt afford. In return I asked for a reduced amount but paid in a monthly payment plan, to which the bank agreed. They wrote off the debt, closed my account and my access to it, and collected two months of payment. Then the bank stopped collecting my payments and wanted the charge off debt paid in full, not taking account of the payments Ive made. After reporting to XXXX, their claim was that my payments did not meet their original offer to which I never had agreed to. Every time Ive asked to have emailed or mailed copies of all the documents associated to my account and agreements Ive made, the bank refused. Ive called and emailed and still received nothing. Now after couple of years, they sold the debt to a collection agency, even though my debt has been wiped off my credit report and they never contacted me after my complaint to XXXX. So now I cant get any documents from the bank and they refuse to communicate with me
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (GA)

I received a cash adance check from a firm based in NY named XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ny XXXX. I had this overnighted to me as a loan against a settlement that I am expecting. The package was delivered via XXXX XXXX number XXXX by a representative named XXXX XXXX. The check was drawn off of a NY XXXX bank and I live in XXXX BMO accepted the mobile deposit of the check at XXXX pm informing " This message confirms your deposit, check number XXXX in the amount of {$2000.00} has been received. You will be notified separately when your deposit has been approved and processed. '' I then received a second email from BMO at XXXX stating " This message confirms your deposit, check number XXXX in the amount of {$2000.00} has been approved and processed. It may take up to two business days for the funds to appear in your account. Please retain the check from this deposit for at least 15 days prior to securely discarding it. Do not attempt to deposit the check again. If you have questions, please call XXXX, option XXXX. '' Then at the very end of the day the bank shut down my account and when I called they accused me of committing fraud. Refused to take any of the documentation I had, refused to contact the bank the check was drawn off of, refused to allow me to speak to a supervisor, refused to give me the proper reason as to why they are accusing me of committing as crime and refused to offer a solution. I can not get any one from this bank to release my money, accept my documentation or properly do the job of verifying the check. They even told me that they were sure that I was committing fraud and they would need to revaluate the desire to continue the relationship with me. I am attaching all the documents that they would not accept. They even told me that I didn't get the email stating it was approved.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXX, XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXXXXXX XXXX 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account
Consumer complaint received 2024-04-11
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)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX FIN XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00}
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AZ)

Worked with discover card on a settlement due to me being a XXXX veteran and going through a hardship. They agreed to Settle with me at {$3900.00} and to make 3 payment to pay it off in full. They promised me and my attorney on the same phone call that no adverse credit reporting would happen. My credit has dropped XXXX points due to their inaccurate credit reporting of delinquencys and late payments charge off. 

They reported to the credit bureaus as me being delinquent and past due even though I have not missed one payment. I have all the proof and I came to them in good faith and will to set up a payment plan and settle to avoid adverse credit reporting. They have retaliated against me and it is erroneous and malicious. I need help. What they are doing to me is unethical and illegal.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (IL)

Reporting late payment on credit reportXXXX XXXX XXXX repost late payment on credit report. XX/XX/XXXX of 2023 and XX/XX/XXXX of XXXXNo action was taken they would not remove it. 

GM financial amount XXXX report late after stating that the loan can be push back.
Consumer complaint received 2024-01-06
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Skrill USA, Inc. (FL)

On XX/XX/XXXX I watched in real time abs in horror as fraudulent transactions nearly wiped out my account. In total, it was {$750.00}!! Getting in contact with Skrill, the company, was hard enough, however, I had to fill out not one, not two, but 3 different forms on my own with ALL TRANSACTION numbers. I can only contact the investigators, an outsourced team, via fax and I guess email. No one at XXXX gives me consistent information and actually sent two emails to me in error. Now it is XX/XX/XXXX and I am still without my money being returned to me even though I have proven that these two companies out of XXXX charged my account multiple times without my consent or knowledge. Please help ASAP!!
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : XXXX XXXX XXXX XXXX ] for the month of XX/XX/year>. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter. 
I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.
Consumer complaint received 2024-04-01
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. (WI)

I contend that the late payment entry is inaccurate. 

Under the FDCPA, it is my right to request validation of this debt and proof of the alleged late payment. 

I urge your agency to conduct a thorough investigation into this matter and provide me with the following information : Documentation confirming the date and amount of the alleged late payment. 


Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and resolving this dispute expediently.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

Today, XXXX XXXX at XXXX ET I received an email from Chime that my credit builder application is almost complete. I have never heard of Chime or requested a credit or checking account anywhere recently. It appears my identity may be stolen so I called them to alert them of this message. They wanted my email address and Date of birth and last 4 of SSN and I hesitantly gave DOB along with my email. They were able to locate the account and close it but would not provide any information as to what kind of account was opened and if their was any credit checks or financial hits/impact to me. They emailed me and said if I want more information I have to provide the last 4 of my SSN and a copy of a filed police report. Seems like they have very loose controls on how accounts are verified in order to open in someone else 's name.