davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I, XXXX XXXX, on XX/XX/XXXX became aware of the issue when I noticed unauthorized transactions and inaccurate information on my credit report after I just received my first Social security on XX/XX/XXXX and irregular activity on my credit report. I immediately took steps to report the identity theft and limit the damage. I have reported the incident to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and have completed an Identity Theft Report, including an Identity Theft Affidavit, to officially document the fraud andor identity theft to law enforcement. I have also taken measures to rectify the situation by contacting the relevant financial institutions and credit reporting agencies to dispute the unauthorized charges and correct any inaccuracies on my credit report. I have enclosed proof of my identity, a copy of the Identity Theft Report, and any other relevant documentation to support my claim. 

Below are the mentioned reports : Account Name XXXX XXXX XXXX XXXXXXXX Collection Date opened XX/XX/XXXX Collection account. {$460.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened XX/XX/XXXX Collection account. {$710.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX Debt Buyer Date opened XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-12-19
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: The Savings Group, Inc. (TN)

I was applying for a refinance loan from Rategenius. I was told by the company that they would only pull my credit report once and there would only be one hit. I have two credit inquiries from two places that I did not approve of. One is XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX XXXX. I did not approve these.
Consumer complaint received 2024-01-18
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I bought a house with someone I was not married to, but in a relationship with. We are both on the mortgage. We also remodeled while residing in the house together so there is also a HELOC which we are both on. 

I am no longer in a relationship with this person, but they signed a notarized legal contract drawn up by a lawyer stating that that the other party is responsible for these debts, and that I am to be held harmless for these debts until they can be refinanced. 

These accounts should be stricken from my credit report and not affect my debt to income ratio or % of late accounts. 

If given the opportunity, I will attach an electronic copy of the signed, notarized agreement.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (MI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

MOHELA placed my loans automatically in deferment in XX/XX/2023 instead of letting me resume payments. I tried to set up payments again online prior to the hold ending but it was not possible online. I sent two secure messages with no reply asking for them to remove my deferment status ( inaccurate ) and let me resume payments. I have also tried calling twice and been on hold for over 40 minutes each time with no help. They also have inaccurately processed my PSLF ( public service loan forgiveness ) forms. I also mentioned this in my messages but never received a reply. I sent in several PSLF forms but they did not process them.
Consumer complaint received 2024-01-18
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-15
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

My information was exposed to a company in Texas called " XXXXXXXX XXXX ''. Equifax was reporting an account from this company stating that I owe them {$1400.00}. I had no knowledge of this company and when I reached out to the company XXXXXXXX XXXX directly to resolve this matter, they was not sure how my information was ( And this is in their words : " MIXED UP WITH ANOTHER PERSON in their system '' ). After I submitted an identity theft complaint, I disputed the information to Equifax and it took MONTHS for them to take any action into removing the account. 

MY NAME IS XXXX XXXX XXXX AND I AM NOT AN ATTORNEY OR HAVE I EVER BEEN INFLUENCED BY ONE.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NC)

I am writing you again in regards to the two late payments on my credit report to have them updated correctly I am attaching my bank statements that show on time payments as requested in the letter attached I request that my bank statements only be used for the purpose of validation of payments and no other information be used for any other purpose thank you and I look forward to hearing back from you in regards to this business matter
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I acknowledge the time you have dedicated to rectifying the presence of fraudulent entries in my file arising from an alleged identity theft. However, several items still persist that necessitate removal. This marks my seventh complaint regarding identity theft victimization. In accordance with the Fair Credit Reporting Act Section 605B, ( a ), it is mandated that you expeditiously eliminate any items opened without my knowledge, consent, or authority within four business days. This removal requires the submission 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 affirming that the information does not pertain to any transaction by the consumer. The following fraudulent items require removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : 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 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MA)

Around XX/XX/XXXX or XXXX of XXXX, I attempted to attach an external account to my Apple Card connected Savings account ( XXXX XXXX  ). For whatever reason, XXXX rejected these test deposits and my savings account went into a restricted mode. I reached out via messaging and was told to call ... which I did ... but the initial representative claimed they did not see a restriction on the account. So I ignored it. I received a few more emails regarding the matter... but figured I would call when I had the chance ( I was dealing with a death close to the family, as well as some personal struggles. ). 

At XXXX est, I received the devastating email stating that my account had been closed. I used this card consistently, it had been my go-to card for just about every one of my daily expenses. The email stated that my account had been closed for " failure to comply with the terms of the Customer Agreement '' ... but re-reading said customer agreement, I can't find anything that I may have violated. I honestly considered myself to be a decent customer as I had never missed a payment and, in most cases, have paid the entire balance off pretty regularly. For anyone reading the published version on this site : No, I had never purchased crypto or anything remotely in that category. I used this card for like XXXX and XXXX purchases as well as the occasional trip to the gas station and grocery store. I also can no longer access my purchase history, to see if my account had been hacked or a fradulent purchase may have triggered it.

Reaching out to customer service has been... unhelpful to say the least. Everyone has been super nice. But when I called regarding my Savings account still being locked... they said they had no idea what could've happened. Talking to them about my Apple Card closure, they seemed to think that I initiated the closure ... which is absolutely not true. At the time, I also had also told them I wasn't looking to reinstate anything... but spending some time reflecting... I am looking to be reinstated. It would be unfair to me, for my credit score to take a massive hit for what I assume was a mistake.

I am looking for an explanation on what happened in regards to my Apple Card and Savings accounts, as well as being reinstated or having any potential negative remarks removed from my credit report.
Consumer complaint received 2023-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA (CT)

Apple failed to provide me with statements, Apple Card replacement and also updated the address from XXXX  to XXXX.

My Apple ID eas canceled alone with check and other identifying documents.

The company constantly reported me late and took advantage of the adverse situation.

Rather to rectify the issue they keep sending generic letters.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (NY)

There are items that need to be removed from my consumer report and I have not heard anything within the allotted 30 days about. I want all of these items removed immediately. 

I demand that the following account be verified or removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I submitted dispute on Equifax credir report ( No. XXXX ) on XX/XX/XXXX, without throught investigation, Equifax refused to correct the dilinquency as date XX/XX/XXXX which was on their incorrect information. " Resolved by Data Furnisher '' and just sent an email to me on XX/XX/XXXX and stated the investigation has completed. Obvioualy Equifax did NOT investigate the dispute but simply used existing report to cover its neglengency. The fact is, XXXX Account XXXX opened in XXXX and I had financial diffiulty to pay started in XX/XX/XXXX and did not pay the payment for more than 6 months. Then XXXX XXXX  put me into a delinquency installment program but did not report the delingquent dates. In fact, I was in deliquency during this period started from XX/XX/XXXX through XXXX, XXXX. Equifax did not conduct a thourough investigation and refused to change the deliquency date to XX/XX/XXXX and the incorrect date still in their report and hurting me. In order to prove their 'data funishier '' s date is correct, they must provide evidence and record showing that I had paid fully and was not in delinquency in this period.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please review the attached documents. I request the bureau to commence an investigation into these accounts, which I am never late for, but are inaccurately reported as such.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

As of XX/XX/XXXX I have received information from Experian Credit Serv. and it was not good information. They sent me back XXXX XXXX which is still pending and I don't even know who they are. Can you help me with this matter? My personal information still has my old address on it, which can be used by an addresse. My name is XXXX XXXX XXXX, my address is & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any other address is not mine and should be deleted along with the name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are hard Inquires that are not mine and yet they are on my Credit report and must be for a signature or deleted. They are saying that these must stay on my report.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX