davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This is to inform that i have not given your company any consent to furnish any accounts on my behalf. i do understand that your company assumed this role. But because of your reporting it has drastically affected my livelihood. I have been denied limit increase on credit cards Also been denied credit cards. Due to your organization furnishing accounts without my consent. 
There is no law that says that stats anything needs to be reported to a consumer reporting agency. Which makes you liable for what is being reported. 
Also, according to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibility with fairness, impartiality, and a respect to the consumer rights to privacy Your organization didn't honor your responsibilities with fairness impartiality, nor did you protect my rights to privacy.

I request that you give me a piece of evidence that the information which is being reported has been properly investigated Also provide details of the system adopted by your organization to determine whether the transactions took place or not. I have been trying to handle this matter since 2021 and also seen an article that shows that your organization have not been properly investigating consumer disputes.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization didnt not adopt such procedures that meet the need of commerce for consumer credit as a result I demand that you do the following XXXX. Delete the following late payments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delete the following collections and charge offs setf XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your cooperation
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I have a credit score of XXXX with no bk 's or late payments. I was denied a credit card for a Southwest Airlines XXXX XXXX Account by Chase bank on XX/XX/20. I am currently only utilizing 3 % of my available credit. There is no reason I should have been denied.
Consumer complaint received 2022-10-21
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-17
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. (TX)

When I investigated my updated credit report, I realized that there are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update the accounts listed below for lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (MN)

I recently signed up for a TJMaxx rewards card. Synchrony Bank is the issuer. I finally got my card and paid my bill of {$17.00} on XX/XX/2023. However, there is a withdrawal on my XXXXXXXX XXXX Checking Account for {$250.00} that Synchrony Bank completed on XX/XX/2023. This was not announced, was completely unauthorised, and they have been impossible to properly contact because they send me back to TJMaxx rewards when the issue is with the bank, not TJMax. I am currently disputing the charge with XXXX XXXX but am not okay with the outright theft that Synchrony Bank committed. It is nowhere in their terms and conditions and they quite literally just stole XXXX XXXX XXXX XXXX XXXX from me. There is no way they can explain it in which this was an accident.
Consumer complaint received 2022-10-21
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. (FL)

I am submitting this CFPB complaint to Equifax Credit Bureau for their willful non-compliance with the Fair Credit Reporting act section 605b. Once again, I was a victim of identity theft and the account I am disputing do not relate to any transaction that I have ever made or authorized. I previously sent a dispute letter to Equifax last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have been awaiting for the Credit Bureau 's response and yet Equifax have failed to do so. I have read that under the Fair Credit Reporting act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft within the time allowed by law. However, more than a month have passed and upon checking my Credit File, I noticed that the previously disputed account is still reporting on my Credit Report. I assume with this action of the Equifax Credit Bureau, they are saying that the disputed account is verified and that the disputed account belongs to me. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. If Equifax claims that the disputed account belongs to me, I require the Equifax Credit Bureau to send me copies of proof of verification or proof of ownership bearing my signatures. In the event that Equifax can not prove that the disputed account in mine, please have the disputed account deleted from my Credit File as soon as possible. Once again, please remove the account from my Credit File ; XXXX XXXX XXXX XXXX : {$1400.00}
Consumer complaint received 2023-03-09
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. (VA)

I had two loans from XXXX XXXX XXXX XXXX XXXX in XXXX VA that went into collections in XXXX and XXXX. I paid both in full and they should NOT still be on my credit report as they are too old. I have argued with this bank to get these removed as they are too old. The bank refuses to do it and keeps reporting the loans as currently active. This is not correct and I want it fixed. The bank should be fined for false information and refusing to update the correct information.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (MI)

PayPal is charging, without permission, checking account, when credit card is declined. It puts it's customer at risk of running into financial problems, with the bank which it's charging without a permission, due to unexpected event with the credit card security check.
Consumer complaint received 2023-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (GA)

This company who I have never did business with have its customer service representatives call my phone daily and be very rude. I just moved successfully out of an apartment that now has sent my information to national credit systems. This company violates my consumer rights and I demand that they pay XXXX dollars to me for having XXXX XXXX XXXXXXXX ON MY CREDIT CAUSING A DENIAL. I WANT NATIONAL CREDIT SYSTEM TO TAKE ALL OF MY INFORMATION OUT OF THERE SYSTEM. I HAVE PICTURES AND NO LATE FEES AS PROOF. I WAS THREATENED BU A NATIONAL CREDIT SYSTEMS WORKER. SO I PAID XXXX dollars. This company need to go out of business
Consumer complaint received 2023-02-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-17
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

Payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2023-05-17
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency 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 that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}
Consumer complaint received 2023-05-17
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. (NY)

i tried calling equifax several times to get unauthorized hard inquiries removed from report they say they could not verify me after i went thru extensive validation process. then i file dispute online and i am told in a matter of hours that my disputed fraud inquiries are valid. they did show show proof of proper investigation nor what detailed evidence the companies provided to legitimize its accuracy. 
these hard inquires where Not requested by me. these are fraudulent inquries... 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX according to the fcra these inaccuracies should have been removed
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WA)

I had paid off a student loan in the amount of {$24000.00} on XX/XX/2022 on the EdFinancial website. Recently, the Biden Administration announced their student debt forgiveness program, and I now qualify for {$10000.00} of student loan relief. On XX/XX/2022, I called EdFinancial to request a {$10000.00} refund. When I called them on XX/XX/2022, they noted that my request was still in queue and no progress has been made. EdFinancial has failed to provide a timeline for when the refund will be processed and they have provided no reference number to track the progress of the request.
Consumer complaint received 2023-05-17
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I tired making a jewelry purchase in XXXX. The merchant told me my card was denied and I left the store with nothing. When I came home, there were two charges from this store. I filed a dispute. XXXX XXXX XXXX is denying my dispute for the following reasons : - We're unable to issue credit to your account without a credit slip for the disputed amount ( s ). 
Please contact the merchant to obtain a valid credit slip. It must include the dollar amount to be credited, the date of the credit, your account number, and the merchant 's name. If you're able to obtain a valid credit slip, the merchant has 15 days from the date it was issued, to apply credit to your account. If the credit isn't received within 15 days, please send a copy of the credit slip to us so we may determine if we can assist you further. 
- We didn't receive documentation showing that the merchandise was to be shipped. 

1 ) I was told it was declined. I randomly choose a gold shop on a street of many gold shops in XXXX. I do not speak XXXX, I had a translator with me. The shops have no websites. How can I provide something like this? Again, I left with no merchandise. 

2 ) I don't understand this. Nothing would have been shipped even if I would have successfully left with something. 

3 ) I can't provide receipts for something that I was told was declined.
Consumer complaint received 2023-07-23
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-23
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. (CA)

In accordance with the Fair Credit Reporting Act, the account list below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 

XXXX : Account number 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 2 also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 2024-04-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

I spoke with the creditor and they told me to speak with the credit bureau and they failed to remove the unauthorized loans on my credit report! This was not my doing please remove asap I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists