davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax has stated that the public record remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of XX/XX/2020. Equifax responded to CFPB complaint dated XX/XX/2020 on XX/XX/2020 that the investigation results should fix the existing problem of my bankruptcy being reported. How is this item verified? Provide me with Equifaxs method of verification by providing the original petition with my signature from the original furnisher of this information. By law the CRAs are required to provide this documentation to the consumer when requested by law in which, Equifax has not provided. Via the Fair Credit Reporting Act it is the responsibility of the Credit Reporting Agency to ensure that the information that the creditor is reporting is 100 % accurate and it is not. Equifax reports contact information for creditor : US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : ( XXXX ) XXXX. XXXX  reports : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. XXXX  reports : US BKPT CT GA XXXX XXXX XXXX XXXX XXXX, GA XXXX No phone number available. How is this public record reporting accurate with three different addresses and three different court names.? Via the Fair Credit Reporting Act information being reporting on a consumers report has to be 100 % accurate, timely, and verifiable. In this case it is not. I have attached a letter from U.S. Bankruptcy court that states that they do not furnish, report, verify, or provide information to the CRA 's dated XX/XX/2020. I have provided copy of reports from Equifax, XXXX, and XXXX. I have provided copy of XXXX consumer reports dated XX/XX/2020 and XX/XX/2020 to show that there is no public record of a bankruptcy reporting from the third party XXXX in which you provided to consumer in who you verified public record from.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (VA)

I reached out to XXXX XXXX XXXX which is currently reflecting on my credit report illegally in reference to several disputes submitted by myself as well as 3 credit reporting agencies. Turns out, that this business is really Iq Data International who I have no idea or any information about this company. Found out about them after excessive research and determination. Placed my first call today and was immediately attacked with XXXX XXXX XXXX and degrading comments about my financial wellbeing, accusing me of being someone Im far from absolutely degrading and disgusting behavior from a call center representative who lied several times and got so upset because I confronted him about it. Very unprofessional
Consumer complaint received 2024-06-13
Product: Credit 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: Bread Financial Holdings, Inc. (TN)

I went online to purchase items from XXXX XXXX XXXX XXXXXXXX, but since they weren't available for pickup, I placed the order for shipping. Here are the details : Order Number : XXXX Order Date : XX/XX/2024, at XXXXXXXX XXXX 

Although I agreed to the estimated shipping time, the package wasn't delivered on time. I had to leave town, and when I returned, the package had been delivered but was nowhere to be found at my home. 

I called TCP three times, and each time the agent told me to contact my credit card company, My Place Rewards Credit Card offered by Comenity Capital Bank, which is part of Bread Financial. They also said they would not open a dispute. I have nowhere to turn except the Consumer Financial Protection Bureau. 

I informed them that I live on a busy street and we've had an uptick in porch pirates. I even offered them video evidence of the theft, captured on my neighbor 's XXXX XXXX. I asked if they would cover a replacement order and allow me to pick it up at the store, but they still said no.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (KY)

I am writing to dispute the presence of unauthorized hard inquiries on my credit file. 

The unauthorized inquiries I dispute are as follows : XXXX. XXXX XXXX  - Date of Inquiry : XX/XX/2022 XXXX. XXXX XXXX  - Date of XXXX : XX/XX/2022 XXXX. XXXX - Date of Inquiry : XX/XX/2022 XXXX
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

JPMorgan reported me as 30 days past due. I have always paid my account time, and had been on autopay in the past. I never received any email or paper notice of a delinquency ; as soon as I noticed that the account was past due on XXXX, I logged in and paid the balance. JPMorgan reversed the late charge and the interest charged, but refuses to correct the late credit reporting. When I asked JPMorgan how I can file an FCRA dispute with them, the representative said that they have no dispute process. I filed disputes with the consumer reporting agencies, and informed JPMorgan that a consumer is entitled to file a dispute with the furnisher as well, and for me to have JPMorgan investigate my dispute and provide me information about what information they looked at to correct or decline my dispute. The representative said that they are not required to do that, which seems clearly a violation of FCRA. She also mentioned that the delinquency would be cleared if they had the incorrect email address or mailing address. I confirmed that the email address they have is, in fact, incorrect, as I did not receive any email nor did I get mailed information. This delinquency needs to be taken from my credit report, and more importantly, JPMC should follow the FCRA and permit consumers to file disputes with them directly.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX has done everything they can do to continue to swindle me. I am formed him that I recently purchased a car with a salvage title and I was unable to get insurance and what they worked with me was hard to get out of the loan I made payment arrangements for the duration of my contract with them. Once I finally got out of the contract and out of the car that I was in that was tied to XXXX XXXX  they purposely put on my credit that I was one payment late during my whole contract with them. That was a methodical plan thought out through management from XXXX my case manager to her managers did everything in their power to make my credit up here bad by putting that I was one payment late on my credit after my contract ended with them which was totally false. I have several emails I have several voicemails from XXXX including her managers axing me when you can expect a payment when I fell behind several times throughout the contract. So to be spiteful out of my contract with them have ended they intern decided to say hey you know what lets put this one in the red mark on his credit report to teach him a lesson, thats very unfair and unprofessional, And when I call and ask them if they can correct their mistake that they have put on my credit report they said they have no record of me ever being late only that one particular time which is false.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Acct Name : XXXX XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXXXXXX XXXX XXXX XXXX  Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are indirect of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-08-14
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. (NY)

improper use of my report ; In accordance with the fair credit reporting act this creditors has violated my rights pursuant to 15 U.S.C. 1681 section 602 states i have the right to privacy.

15 U.S.C. 1681 604 ( a ) section 2 Credit Reporting Agency can not furnish an account information without my written instructions.

15 U.S.C. 1666 ( b ) a Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2024-06-13
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. ()

The compagny of card prepaid its vanilla prepaid i have 7 card its hack everything for XXXX $ i receive de letter about de compagny its said i receive my refund back and i go not i waiting right now 140 days The case of this dispute its XXXX I call every 2 or 3 Day and the guy tord me you receive just wait for the card and nothing i write the email and i dont answer to me My name its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd. (NJ)

Debt collector Harris and Harris, based out of XXXX sent me text messages claiming that I owed {$140.00} to the XXXX XXXXXXXX XXXX. I have never been on the XXXX XXXXXXXX so this debt is false. When attempting to call them to talk to a person I was unable to get through to a representative.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NC)

Chime closed my account days before my direct deposit and transfers were scheduled to come to this account. They still are refusing to tell me why the account was closed and they are refusing to provide facts as well. I have been dealing with this issue since XX/XX/XXXX. I have spoken to an agent from the company today XX/XX/XXXX and he said that the company is refusing to allocate my funds and send them to me. He also said that Chime is not obligated to tell me anything about it either. He said the funds in the account belong to chime. ( But the money is mine though. I initiated the transfers and deposits to this account before and after it was closed. This place is stealing peoples hard earned money and it is not being talked about enough.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2023 I reached out to XXXXXXXX XXXX XXXX to request a reprint of a letter they sent to me verifying that my account is no longer reporting delinquent status from XXXX and XXXX of 2023. I spoke to a representative named XXXX and she said that it is their policy that they can not reprint and resend these letters but verified that my account is not reporting late however it is still reporting late. I need the letter as proof to show to the credit bureaus that the account status needs to be updated but XXXX will not resend me the letter, yet they are still reporting inaccurate information.
Consumer complaint received 2020-12-16
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. (MD)

I received a copy of my credit report and found the following errors and violations : Eexperian reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX XXXX, MO XXXX. This is in violation of 10 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to XXXX XXXX XXXX may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to release medical information on your consumer reporting agency website. Please provide a copy of my signature with the XXXX to release my medical information to consumer reporting agencies. Experian investigated and removed from my credit report in XX/XX/XXXX. However, it does not excuse Experian for violating my consumer 's rights. This corresponding was sent via certified mail. See the attached copy of my credit report, the violations has be highlighted in the 10 Exhibits. By the provisions of the Fair Credit Reporting Act, I demand to be paid for the 10 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1692 and Violations of HIPPA.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

Originally, on XX/XX/XXXX, I purchased {$180.00} of shirts from an online retailer using my Synchrony Bank XXXX XXXX. Upon receiving the shirts, one of them was not the size I ordered. I attempted to contact the merchant and did not receive a response. 

I filed a dispute on XX/XX/XXXX for the amount of the wrong size shirt with shipping of {$91.00} with my credit card Company, Synchrony Bank XXXX XXXX, and they provided me with a temporary credit of {$91.00}. 

On XX/XX/XXXX, XXXX credit card company levied and adjustment of {$91.00} on my credit card. I called the credit card company multiple times and they claimed to have provided me with two credits of {$91.00} and took one of the credits back. However, on my billing statement, I am only seeing one credit that was taken away without any answer to the status of my dispute. 

They also told me the investigations team would call me back and I received no answer. 

I then received an email from XXXX stating they can't complete the dispute investigation case ID XXXX XXXX
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Account number XXXX IS REPORTING A DEBT ON MY CREDIT REPORTS FOR A BALANCE OF {$790.00}. I WAS NEVER NOTIFIED OF THE DEBT VIA PHONE NOR WAS I INFORMED ON THE ORIGINATION OF THIS SO CALLED DEBT THAT THEY CLAIM THAT I OWE. XXXX XXXX XXXX VIOLATED MY CONSUMER RIGHTS PER 15 USC 1692g SECTION 809. I WAS NOT AFFORDED THE OPPORTUNITY TO DISPUTE THE VALIDITY OF THIS DEBT WITHIN THE 30 DAY TIME FRAME. I WOULD LIKE FOR SOUTHWEST CREDIT SYSTEMS TO CEASE ALL DEBT COLLECTION AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.
Consumer complaint received 2023-01-02
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. (MI)

In accordance with the Fair Credit Reporting Act convergent accounts XXXX XXXX XXXX XXXX has violated my rights.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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Consumer complaint received 2020-12-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknow items on my credit report. 60 days has passed i have not received anything from any of the credit agencies. I feel like they have ignored my disputes and I feel they have taken advantage of me by not looking into my request. section 611 ( a ) clearly states that failure to investigates theses items within 30 days they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to stress and mental harm you it cause me. My information was also impact by the equifax data breach which is a big concerned.
Consumer complaint received 2020-12-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRAS. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-08-17
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. (CA)

On or about XX/XX/XXXX, Equifax violated my federal and state protected rights by improperly using my credit report and stealing my identity as evidenced by the hard inquiry on my credit report by " Equifax Mortgages Services LLC. '' I did not authorize, apply or otherwise consent to my credit file or consumer report to be accessed for mortgage services from any company and definitely NOT Equifax. My consumer reports with all credit reporting agencies have been and are " frozen '' as well as include identity theft alerts. I was a victim of Equifax 's Data Breach in XXXX and have filed a claim in connection with the settlement. Equifax, via its settlement administrator, XXXX, has YET to pay my claim even though I submitted the claim and over 500 pages of supporting documentation. Due to the known theft of my personal information, the credit report identity theft freezes, and the lack of my EXPRESSED WRITTEN PERMISSION to access my consumer report, Equifax has used my credit report improperly, stolen my identity, not taken proper care or responsibility with the use and custodianship of my consumer report and credit file. As this is not Equifax 's first time violating federal and state laws, Equifax has been reckless, willfully negligent, and acted with impunity with my consumer report and credit file. Equifax has willfully violated and is in violation of : 1- 15 USC 1681b- permissible purpose ; 2- 15 USC 1681c- Requirements related to information contained in consumer reports ; 3- 15 USC 1681c-1 -- Identity theft prevention fraud alerts ; 4- 15 USC 1681e- Compliance procedures ; 5- 15 USC 1681m- Requirements on Users of consumer reports ; 6- 15 USC 1681n- Civil liability for willful non-compliance ; 7- 15 USC 1681o- Civil liability for negligent non-compliance ; 8- 15 USC 1681q- Obtaining information under false pretenses ; 9- FCRA ; 10- FDCPA ; 11- CA Consumer Credit Protection Laws ; 12- UDAAP ; 13- federal Privacy Act ; and, 14- Agreements made by Equifax under their settlement agreement filed on XX/XX/XXXX in the United States District Court, Northern District of Georgia Atlanta Division ; just to list a few of the federal and state laws that Equifax has willfully and negligently violated .

Equifax has caused FURTHER injury, harm and damage to me by their actions because this has caused my FICO credit score to drop FURTHER negating my ability to be financially able to obtain future credit. I have and continue to receive communications from other credit reporting agencies that this action by Equifax has negatively affected my ability to obtain future credit. Equifax is a REPEAT OFFENDER and REPEAT VIOLATOR of my federally and state protected rights.