davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
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)

In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX XXXX credit reporting policy of older than 2 years from initial delinquency it should have been deleted.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am attaching copys of major inaccuracies on my credit report XXXX XXXX should not be on my report I have documents stating that that specific account was closed due to fraud and I can verify to you it needs removed along with other accounts Im attaching they are over 9 years old and they are not mine and I do not have a XXXX  account nor did I ever that is false information and Im tired of the credit bureaus attacking me and they are lying about my on time payments to XXXX and to XXXX XXXX and I have proof that I pay these accounts on time they need to comply
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the information that appears on my credit report regarding the charge off of my account with XXXX XXXX - XXXX. The account in question is listed on my credit report as being charged off with a balance of XXXX, which is inaccurate. 

I dispute the charge off of my account for the following reasons : The creditor did not provide me with sufficient notice of the impending charge off, and I was not given an opportunity to make payment arrangements before the account was charged off. 

The amount listed as charged off on my credit report is incorrect. I have proof of payments that I made towards the balance, and the amount charged off should be lower than what is currently reported. 

The creditor did not follow proper procedures for charging off the account. They did not provide the required notices or follow the correct timeline for charging off the account. 

The charge off is the result of an error or misunderstanding. There was a miscommunication between me and the creditor about the status of the account or the amount owed. 

The creditor have violated my rights under federal or state laws, such as the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 

The creditor did not properly apply payments made to the account. Some payments were not credited to the account or were credited incorrectly. 

The creditor did not provide me with a full accounting of the amount owed on the account, including interest and fees. I was charged fees or interest that were not disclosed or that I did not agree to. 

The charge off is the result of a billing dispute or error. I disputed a charge on my account and the creditor charged off the entire account instead of just the disputed amount. 

I request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. Please also provide me with a written confirmation of the correction and an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I told Navy Federal I was a victim of fraud on XXXX XXXX XXXX I have the request in writing. 
The fraud was a XXXX  listing for a property in XXXX, Ohio. It was a for sale by owner, and they asked for {$2000.00} as an earnest money deposit and they will remove the listing as for sale, and move it to pending. 

I sent the money to the scammer, AFTER I had got a contract they more than likely created fraudulently, I have their email, I have their XXXX address, I have the text thread, and I have the XXXX  listing, I felt confident this may be legit. It wasn't. 

I went through there process of filing the complaint on the app. And the very next day they messaged me back saying they are " sympathetic '' to me being a victim of fraud there was nothing they could do. 

And what made it worse was on XX/XX/ I received a deposit from NFCU in the amount of XXXX as a credit. I thought my prayer was answered and they solved the issue. Then on the XX/XX/ the money was taken back OUT of my account from NFCU. 

I have tons of evidence supporting my claim of fraud. I have screenshots, emails, XXXX accounts, even the XXXX listing, and I'm willing to provide all details needed to have this resolved. I looked up her XXXX account, because its a business account and I know she has two addresses one in XXXX and one in XXXX XXXX.
Consumer complaint received 2022-11-21
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. (AR)

The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without written instructions. I have sent multiple of disputes concerning this matter, and each dispute was a copy of my passport, driver 's licenses, social security card, and updated utility bill. Each response was please send proof of id letter just to keep stalling this process. It will be a copy of the last letter sent to them.
Consumer complaint received 2023-05-26
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)

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 XXXX 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 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.
Consumer complaint received 2015-11-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Insight Capital LLC (NV) (NV)

I received a call from a XXXX XXXX stating that I took out a payday loan in 2011 in the amount of {$840.00}. They wanted to know if I wanted to settle today for a lesser amount. I asked who the payday lender was and they said it was " Insight Capitol ''. I have NEVER applied for a payday loan with this company. I told them this and they said if I wanted to dispute the case, I could but I would be " buried '' in legal fees. I told them that I am definitely disputing it, and then she hung up on me.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXXXXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXXXXXX # 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 : 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. And i have filed police report as well
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, 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. (GA)

On XX/XX/XXXX I received a new copy of my consumer report and it showed a credit inquiries that I have disputed and been Disputing since XX/XX/XXXX. I have provide Equifax with a copy of a FTC report and a letter from my bank that placed this inquiry on my consumer file and in the letter it stated that they send over a request on XX/XX/XXXX to have this delete from my personal credit file. I called Equifax today and asked why is it still reporting when the bank has requested that it be removed and I have provided them with a FTC report. The supervisor stated that it was one thing that she see that she could not disclose over the phone in my consumer file and in order to get this inquiry remove I would need to send another FTC report in with more detail about this inquiry. Correct me if I am wrong why would I need to do that when the Bank had already send them a request almost a month ago to have it deleted. I feel Equifax is trying to bully me and refuse to remove a inquiry that I did not authorized. Please help I have a previous open complaint that has an attachment from the Bank stated that they have put in a request on XX/XX/XXXX the previous cases are XXXX and XXXX. Per these letters Equifax has refuse to delete.
Consumer complaint received 2023-05-16
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: AmeriCollect (TX)

Americollect is using my health records without my consent. This is a unlawful use of my private, personal medical health files. This is a direct violation of my HIPAA rights. I have filed a formal complaint with the US Department of Health and Human Services. They have obtained my information illegally. I do not have any contract with them.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (FL)

I am trying to get to the bottom of fraud committed by a former friend. A {$200.00} secure credit line was opened in XXXX XXXX XXXX XXXX, yet I was charged for the transaction ( according to XXXX XXXX XXXX XXXX XXXX was living at my apartment when this account was open and would have had very easy access to all of my personal information. When I initially received these account alerts, they were sent to XXXX  and I did not notice that I was charged for a secure credit line in someone else 's name by a bank that I had never heard of before. I had reported a suspected fraud to Regions at the time, and nothing was resolved due to Regions not addressing my concerns. I, therefore, closed this bank account and am now unable to access my old statements. XXXX added my Regions bill pay to her secure line of credit, apparently, and this was never stopped by regions. I expect a refund for unauthorized payments made from my account and access to my previous statements. Please find attached the alert sent to my XXXX last year regarding this manner, my report to the FTC, and the CFPB report that I made against XXXX XXXX bank itself.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-11-21
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. (IL)

I submitted an affidavit to the credit reporting agency back in XX/XX/2021. I never got any response from them regarding the affidavit and will attach supporting documentation submitted. Since there was no response then the credit reporting agencies are now in default.
Consumer complaint received 2022-11-21
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. (IL)

I submitted an affidavit to the credit reporting agency back in XX/XX/2021. I never got any response from them regarding the affidavit and will attach supporting documentation submitted. Since there was no response then the credit reporting agencies are now in default.
Consumer complaint received 2023-05-26
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. (KY)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This complaint is in reference to XXXX, XXXX and Trans Union. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, 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. (GA)

On XX/XX/XXXX I received a new copy of my consumer report and it showed a credit inquiries that I have disputed and been Disputing since XX/XX/XXXX. I have provide Equifax with a copy of a FTC report and a letter from my bank that placed this inquiry on my consumer file and in the letter it stated that they send over a request on XX/XX/XXXX to have this delete from my personal credit file. I called Equifax today and asked why is it still reporting when the bank has requested that it be removed and I have provided them with a FTC report. The supervisor stated that it was XXXX thing that she see that she could not disclose over the phone in my consumer file and in order to get this inquiry remove I would need to send another FTC report in with more detail about this inquiry. Correct me if I am wrong why would I need to do that when the Bank had already send them a request almost a month ago to have it deleted. I feel Equifax is trying to bully me and refuse to remove a inquiry that I did not authorized. Please help I have a previous open complaint that has an attachment from the Bank stated that they have put in a request on XX/XX/XXXX the previous cases are XXXX and XXXX. Per these letters Equifax has refuse to delete.
Consumer complaint received 2023-05-26
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. (MO)

XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX
Consumer complaint received 2022-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

capital one, please put my credit card back on my XXXX credit file i didnt tell XXXX ti delete it at all, i did not file no complaint ti have it taking off, so add my card back on my report this credit card was deleted off my credit report with XXXX see please add this card back
Consumer complaint received 2022-11-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ME)

I am writing to express my deep concern and frustration regarding the presence of an account on my credit report, which I have been unable to verify. The account in question CAF XXXX has been causing me significant stress and anxiety as I have repeatedly disputed its validity to no avail. Despite my efforts to resolve this matter, the account continues to appear on my credit report, casting doubt on my financial credibility and jeopardizing my future financial prospects, including my ability to secure housing. I demand that this account be thoroughly reinvestigated and promptly removed from my credit report. I refuse to accept its presence without clear evidence that I am responsible for it. As such, I am formally requesting proof of my initiation of this account, including any signed agreements or relevant documents. If such evidence can not be provided, I insist that the account be deleted from my report immediately.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, 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. (PA)

Hard inquiries that I didn't not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

Hello, I applied for XXXX XXXX in 2020 and I am a part of the class action lawsuit in XXXX XXXX XXXXXXXX. I still have no updates to my application as my loan is supposed to be discharged. My school, XXXX is on the list for the class action and I have probable cause for discharge.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (DC)

Citi Bank has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. 

I'm very confused about the minimum payment regarding the attached statement and current balance.