davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Please be advised. I have disputed and requested the correction of my personal information numerous times over the past 2 years and each time even more inaccurate information is listed. There are several Non Mailable Address and Several No Contact phone numbers that do not belong to me. There are Employers that are not accurate. 

The following needs to happen. XXXX Name with id number XXXX current address, no email address. XXXX phone number. 

Again I have asked for this several times. it is taken off and then put back on again. I need this correction to be permanent moving forward.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (VA)

XX/XX/XXXXI made a purchase for a XXXX  website. The company scammed me and did nothing. They just held my money. I filed a dispute with chime and it's still being verified to this day. I have finally gotten a response from the scam merchant and they told me they'll be refunding my money to my account. I informed chime of this and even attached the chat the merchant and I had about this and chime is still not reimbursing my account. They told me it's gon na take until XXXX. I can't wait that long. Chime is a horrible bank I will never recommend them for these reasons.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-25
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: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and anger regarding the continued presence of a charge-off account on my credit report despite numerous attempts to have it removed. I find it utterly unacceptable that my repeated efforts to address this matter have resulted in nothing but prolonged inconvenience and damage to my financial standing. 

I initially brought the existence of this erroneous charge-off account to your attention. Since then, Despite my best efforts, the charge-off account remains stubbornly affixed to my credit report. 

This situation is not only impacting my creditworthiness but is also causing significant emotional distress and hindering my ability to secure favorable financial arrangements. I am at a loss as to why a seemingly straightforward issue continues to persist, and I demand immediate and effective action to rectify this injustice. 

I insist on a thorough investigation into this matter and the prompt removal of the charge-off account from my credit report. Furthermore, I demand an explanation for the repeated failures to address this issue adequately. The lack of resolution is not only an egregious violation of my consumer rights but is also indicative of a severe failure in your dispute resolution process. 

I expect this matter to be treated with the utmost urgency, and I anticipate a comprehensive response within the exact timeframe from the date of this letter. Failure to resolve this matter promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and explore legal avenues to address this matter. 

I have attached, once again, the supporting documents for your reference. I trust that this will be the final occasion on which I am forced to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00}.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. 

This account is not mine. XXXX  has stolen my identity by taking it from another company. I have no agreement with them nor have I ever contracted with them. They have been using extortion to threaten me into paying them money that I do not owe. 

I sent them a letter demanding that they also stop reporting this to CRA 's and they continue to do so.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-11-25
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)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Per dispute with XXXX from Equifax on *** XXXX my online portal should be opened, it has been locked since XX/XX/XXXX. 

Per correspondence with XXXX ( XXXX ) on XX/XX/XXXX, this should have been resolved within five days. Ref. No. XXXX Because this is an isolated issue after disputing XXXX, I have reached out to legal and this is actively being addressed. 

I have cooperated by providing all legal court ordered documents verifying my identification. In photo identification and social security cards.
Consumer complaint received 2023-11-25
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. (KY)

This Statement is to inform you that i have reviewed a copy of my credit report and this complaint is to inform you that you are reporting inaccurate and incomplete credit information. According to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post of my credit report. I have never been notified of this collection. Under the FCRA 15 U.S.C 1681i all unverified accounts must be promptly deleted. Please don't respond to my request by saying that these accounts have been verified. delete them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
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. (MI)

Consumer Financial Protection Bureau XX/XX/XXXX po box 27170 Washington, DC 20038 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX cell XXXX XXXX XX/XX/XXXX. 
Last 4 of SSN *** ** XXXX To Whom it may concern : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I attached proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. 

See attached : 1.Letter sent to Equifax on XX/XX/XXXX and 2nd letter sent on XX/XX/XXXX. 
2. Letter to Equifax evidence of credit score manipulation.

3. Letter from XXXX XXXXXXXX XXXX fraud investigation removing fraudulent account from my credit reports.
Consumer complaint received 2024-04-12
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. (MD)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-25
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2023-09-01
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. (CA)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I received a deposit from XXXX XXXX  In the amount of XXXX dollars into my personal Navy federal account. Funds were directly deposited and clear for spending however XXXX has decided to deny me the funds. Stating that bc I didnt deposit them into a business account they will not release them, and are sending them back, against my wishes obviously and the lender. I showed them proof of my identity and of the loan and they still have yet to release the funds.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from XXXX / TD auto finance. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX was filed in XXXX they was only notified XXXX closed my account in XXXX and reported me late and discharged through bankruptcy. 
i reported them as inaccurate. I had a XXXX  balance at the time that i filed in XXXX owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed XXXX any money never late and never was discharged under chapter XXXX TD paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account
Consumer complaint received 2024-04-12
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. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid 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. (CA)

regarding my dispute with XXXX XXXX on XX/XX/2020 amount of {$1900.00}. The company who charged my card, they forged my signature. I have provided my Driver License and my signature to XXXX XXXX to show proof of signature that was not my signature but XXXX saying I'm responsible for the charges. i did email 4 times to XXXX XXXX and fax to them but when i call to follow up they say we don't have the information i sent to them.
Consumer complaint received 2024-04-12
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-04-12
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I have good credit fie with no charge offs or derogatory. I was listed as additional cardholder with XXXX XXXX on another individual 's XXXX  XXXX credit card account. XXXX XXXX, when calling in did, and currently do, read a disclosure statement as an additional cardholder. The disclosure from XXXX XXXX, reads, I will not be personally responsible for the card. When applying for credit, other credit card companies advise me the credit card is not approved because negative XXXX XXXX account being perceived and judged by credit providers as my bad credit and responsibility for. After disclosing to credit card company providers, I don't have or hold a XXXX  XXXX account, its another individual 's action and unfairness to me, in impacting and reporting on my credit causing perceived responsibility and defiantly NEGATIVE, the credit providers are disclosing its on your credit file as a large negative and impacting your ability to get credit until " i remove it '' or I pay it and this makes me responsible. Because I now need to appeal to remove it, its become something I am responsible for and that conflicts with XXXX XXXX disclosures too. This raises questions of fairness and morality too, me as a separate individual and nn account holder of XXXX XXXX. As NO other credit card provider i was additional cardholder for is reporting negative on my credit file, only XXXX XXXX. I am now in position to be responsible for removing the credit card, from my individual reporting, and because of this my credit worthiness is being impeded. I request it to be removed by XXXX XXXX from my credit file. My overall credit usage is {$3300.00} and at the time of filing this I only had 10 % credit utilization making me a good credit candidate, but for XXXX XXXX 's negative reporting on my file, for another individuals action.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

While checking my most recent credit report, I noticed 1 Account that I am unaware of, and believe to be fraudulently made by the following companies : Account : 1. XXXX XXXX XXXX XXXX XXXX XXXX ) /XXXX  XXXX When looking at XXXX, this company is not reporting to them any longer. Why is this being reported in Equifax? And it was fairly recently that this was reported. This is fraudulent, inaccurate, and a violation of my rights. There has been no contact from XXXX or XXXX XXXX XXXX to collect on this loan. I've contacted XXXX multiple times and they do not have this account. I've contacted XXXX XXXX XXXX and they do not answer either. So I can not verify this account or resolve this. 

I've asked before if XXXX XXXX XXXX XXXX XXXX that they own this loan since I gave no permission for my personal information to be given to any company. And I've received nothing. 

I have reached out to the US Department of Education and they do not have records of this account, nor do they keep records of private student loans. 

I request that Equifax and XXXX show how they verified this account. 
Are they verifying this from the guarantor? 
In XXXX they are not reporting, so how are they reporting here? 
Who is the guarantor of this loan and can they provide proof? 
Why does the report date show XXXX of XXXX  and not the XXXX  date of XXXX? 

There are several inaccuracies compared to the account under XXXX. If this account is not being accurately or fairly reported, I request this account be removed as this is a violation of my rights. 

I have attached what is being shown in my credit report. And have sent a letter to Equifax. Page 3 of the attached document shows the inaccuracies of the last report date and that the account is still reporting whereas with XXXX it is not.
Consumer complaint received 2024-04-12
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. (DC)

1. Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.