davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

My problems started yesterday ( XX/XX/2021 ) I tried to open access to my personal information for the co-op where I buy an apartment. Utter disappointment awaited me, when I came across the service provided by Equifax. First of all, I couldn't open my own page, although I have all the passwords written down. When I called the support service, the agent arrogantly started asking me some questions that I don't even have to remember. Then she tried several times to send me a verification text, but the program DID NOT WORK, although I followed all the instructions step by step. Then she tried to send me a message to my email ... .. and it didn't work either. In the end, I asked for help from a manager, who also, after several attempts to help me, interrupted our conversation and turned on the social survey .... Name of the manager is XXXX ( XXXX ) I couldn't even evaluate the agency 's work because the social survey system didn't work either. Then I went to XXXX and contacted the Equifax agent there, but received nothing but apologies in response. Unfortunately, NO co-op will wait for this information forever and I may just lose the opportunity to purchase my apartment in the desired location. I highly recommend this company to take an example from two other agencies ( XXXX & XXXX ), which are both easy and pleasant to work with! XXXX XXXX, XXXX, NY
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (AR)

I was targeted by a job phishing scam. I was sent a check to purchase work equipment, deposited the check at my banks teller window, and the next day was instructed to purchase my work equipment. This check did not undergo the banks mandated waiting period to verify that it was real, and as such, the scammers were able to convince me to send them {$7000.00} out of the {$7300.00} fake check. As per company policy, that check should have undergone a wait period of no less than 7 days to verify its validity and payment from the checks bank information. This policy was not followed, as the funds were available the very next day, leading me to believe the check had already been processed properly and that the bank had already received money from the other financial institution. The bank is now in breach of contract. My bank is now attempting to charge me for the full amount of the scammed money. My bank is also completely denying all liability even though they failed to follow their own policies, and if they had properly followed their own policies this whole incident would have been avoided in the first place.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Saks Fifth Avenue customer services are XXXX XXXX I never received the dress. I don't have it in possession. It said it was delivered on XX/XX/2022! However I never got the package. I called on XX/XX/2022 and a customer service representative told me it takes 7 business days before I can file an investigation for a refund. I called on XX/XX/2022 to do as instructed to get an investigation and refund credited for {$62.00} to my account. I was told that it would be refunded. Please explain what your XXXX poor findings came up with to determine this. I have called your online customer representatives 13 times from XX/XX/2022 to XX/XX/2022 and repeated myself each time. 

That is unacceptable. You charge exhausting prices and your service is quite frankly very sub par.. I shouldn't have to pay for items I don't have in my possession. 
Also I refunded the XXXX XXXX XXXX XXXX XXXX XXXX top on this order on XX/XX/2022 on the XXXX floor of Saks 5th Avenue on XXXX XXXX XXXX XXXX to a customer representatives. I expect a full refund for this item! I also had your incompetent representative reorder a size XXXX XXXX XXXX XXXX XXXX XXXX and the representative put an inaccurate email address for which I can't track nor can I receive updates. See the attached screen shot of the order number and THE WRONG EMAIL. Because of this incompetent representative I had come back into the store on XX/XX/2022. I spoke to the same representative on the 5th floor requested he change the email address to the right one. He said I didn't need to. I don't have any of these items. I refuse to pay for it. I will report Saks to the credit bureau. THEY REFUSE TO GRANT A REFUND. I will no longer be shopping at Saks. You XXXX and hold zero accountability for your terrible service. Blame the customer right? You and your team lie squarely at fault for all events.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I already have disputed this account multiple times for the last XXXX  months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from XXXX bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on XX/XX/2022, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. 

Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3100.00} ), XXXX ( Date Opened : XXXX, XXXX, Balance : {$3500.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8800.00} ), XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (SC)

I constantly check my credit report and notice that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time now. I demand CFPB to enforce these corrections and or deletion of these items.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (GA)

Equifax is reporting an account with XXXX XXXX XXXX  on my credit report. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I XXXX XXXX XXXX Equifax to block this account from the credit report of XXXX XXXX immediately.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Consumer complaint received 2023-09-08
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: Bread Financial Holdings, Inc. (CA)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality, as stipulated in 15 USC 1681 : I have initiated a request with XXXX, XXXX, and XXXX to reevaluate the accuracy of the following accounts : XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX # XXXX, XXXX  # XXXX XXXX 

However, their response indicated that these accounts were reported as complete and accurate. This assertion raises concerns, particularly regarding discrepancies in the open date, date of last activity, and other pertinent details. 

In accordance with 15 USC 1681i ( 5 ), it is incumbent upon these agencies to amend inaccurately reported accounts. 15 U.S.C. 1681 Section 602 A asserts my fundamental right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without my explicit written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) prescribes that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of criminal convictions that precede the report by more than XXXX years. 

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no person shall provide information related to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. 

Additionally, it has come to my attention that these agencies are not in compliance with XXXX XXXX credit reporting standards. If these accounts are accurate why have they been removed from some credit reporting agencies but not all. It does not make sense! I have no contract/dealings with these companies. I I possess compelling evidence to substantiate my case. Please fix this immediately!
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX  payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.
Consumer complaint received 2023-09-08
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. (TX)

RE : Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

My Address Street Number , Street Name, City, and State is and only is XXXX XXXX XXXX XXXX, Texas XXXX My current Legally acquired lawful Social Security Number last four is and only is XXXX My Date of Birth is and only is XXXX ***ABOVE listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete correct METRO 2 Formatted compliance of reporting standard ( s ). These are REQUISITES of REPORTING, NOT OPTIONS of lawful reporting so PRODUCE undeniable DOCUMENT certified PROOF of claims and the claims reporting processes and format ( s ) compliant nature or else ERADICATE said claim, be it true or not. DO SO NOW! 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
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. (IA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2024-03-12
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights. 

XXXX BANK XX/XX/year> 15 U.S. Code 1681e - Compliance procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I am writing to bring to your attention a discrepancy I identified upon reviewing my consumer report, specifically pertaining to XXXX instances of reported late payments on an account where I have consistently maintained a timely payment history. 

Recognizing the pivotal role that consumer reporting agencies play in maintaining the integrity of individuals ' credit histories, I hold a high regard the responsibility to ensure accurate and precise reporting. It is imperative that consumer information is reported with the utmost accuracy to preserve the integrity of credit profiles. 
upon thorough examination, I have ascertained that the reported late payments are inaccurate, as I have consistently upheld the terms of my financial agreements by remitting payments in a timely manner. Consequently, I kindly request the expeditious correction of these inaccuracies, with the appropriate adjustment to reflect the accurate status of " paid as agreed on time ''. If not please provide proof with statements that these payments have not been paid on time. If proof can not be provided I demand these payments be updated to paid as agreed. 

To Facilitate this process, I have attached a screenshot. I appreciate your prompt attention to this matter and trust that the necessary steps will be taken to rectify the inaccuracies promptly. 

Also please investigate the inaccuracies that has been reported differently between the credit bureaus XXXX, XXXX XXXX Experian should all have similar and accurate information. Thank You
Consumer complaint received 2023-09-08
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. (IA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX : {$330.00} ; XXXX XXXX XXXX XXXX  {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} ; XXXX XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX : {$12000.00}.
Consumer complaint received 2022-12-07
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CONTRACT CALLERS INC (NC)

When I answer, the person gives me a name, but refuses to state WHY they are calling. I do know that I owe 2 companies that I plan to pay ; however, when this number calls, they just keep asking ME my name, etc., and refuse to say who they are calling for. 

I therefore am not even sure if they are calling me correctly, for whom they are calling, or who they are. 

It is hard to discuss what I assume is a debt when they do not say what company they represent. They also call SEVERAL times a day, including while I am at work and can not answer the phone.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is reporting a balance of {$940.00}. A payment for {$320.00} was made on XX/XX/23 bring the balance to {$620.00} but the balance of {$940.00} is still being reported and it was never updated.
Consumer complaint received 2020-03-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

During the last week of XX/XX/XXXX, loan servicer ECSI, working together with XXXX University placed a {$4000.00} Perkins loan on my credit report. This is an in accurate reporting as the {$4000.00} Perkins loan is consolidated under my XXXX XX/XX/XXXXaccount. Furthermore, the Perkins loan was opened in XXXX. No communication was made to me before placing this inaccuracy on my report.