davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Complaint Against Equifax for Failure to Respond to Dispute Letters. 

Dear Sir/Madam, I am writing to file a formal complaint against Equifax Information Services , LLC for their failure to respond to multiple dispute letters regarding inaccuracies in my credit report. Despite my extensive efforts to address these discrepancies, Equifax has neglected to take appropriate action to rectify the errors within the legally mandated timeframe. 

On XX/XX/2024, I submitted detailed dispute letters outlining numerous inaccuracies found within my credit report. These errors encompass various aspects, including personal information and account details. Despite providing clear documentation and explanations for each discrepancy, Equifax has failed to investigate and correct the inaccuracies as required by law. 

The discrepancies outlined in my dispute letters include but are not limited to : - Inaccurate reporting of personal information, including date of birth and current address. 
- Errors in reporting account details for various creditors, such as XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Failure to update or correct erroneous fields related to high balances, dates of last activity, dates reported, creditor types, comments, dates of last payment, credit limits, payment histories, dispute statuses, account statuses, and account types. 

These inaccuracies have significant implications for my financial well-being, potentially affecting my ability to obtain new credit, secure employment opportunities, and access appropriate insurance rates. Despite my diligent efforts to address these issues with Equifax, the company 's failure to respond and rectify the errors has exacerbated the situation and caused unnecessary stress and frustration. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Equifax fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The credit bureau is in violation of the following laws : 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b.

Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 

Please find enclosed copies of my dispute letters sent to Equifax for your reference. 

Thank you for your attention to this matter.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (NC)

I have had a Best Buy Citibank account for nearly ten years. I set up autopayment to ensure my payments were made every month, but at the beginning of the year, those payments were cancelled without notifying me. I received a first past due notification in XX/XX/2022, and to prevent credit reporting, I paid off the balance in full ( {$550.00} ). I later received another past due notification in XXXX ( {$130.00} ) that was reported to the credit agency, dropping my score by over XXXX points. 

I disputed the credit report through XXXX, and I tried contacting Citibank to understand my options, and they said there wasn't anything they could do from their end. Note that I closed the account at this time. I then contacted XXXX and they said that wasn't true, Citibank should be able to help with a reporting issue. 

Once I called customer service at Best Buy Citibank back, they informed me that the sent a paper notification of the cancelled autopayments in XXXX to an old address, but could not tell me why specifically the autopayments were cancelled. 

Because autopayments were cancelled for an unknown reason, and without my knowledge, and I relied on those autopayments to ensure my account was up to date, I would hope there would be a workable solution to reverse the reporting. Especially since, when I became aware of the issue, I paid of the account in full, and then received further charges, again without my knowledge. 

It's very frustrating as a XXXX year customer with good payment history, that I am being penalized for an issue that started with the creditor 's action - cancelling autopayments- which is routinely advised as a safe way to ensure you are on top of your accounts. Moreover, I think I have made evident attempts to address any payment issues but have received little help or relief from the company itself, and that is also frustrating. 

I accept any charges, but I feel that my credit should not be penalized due to an issue stemming from a creditor 's action, especially because the source of the credit reporting is the creditor themselves. Especially after making an initial effort to pay off an account in full.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX SHOWING DUPLICATE ACCOUNTS WITH 2 DIFFERENT AMOUNTS, AND TWO DIFFEENT ACCOUNT NUMBERS NOT CORRECT. XXXX, IS SHOWING 120 DAYS XXXX XXXX XXXX IS SHOWING 90 DAYS, XXXX IS SHOWING 120 DAYS, XXXX IS SHOWING 120 DAYS, XX/XX/XXXX IS SHOWING120 DAYS, XXXX IS SHOWING 120 DAYS, XXXX IS SHOWING 120 DAYS,
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

I have the Apple Card, and I used it for general purchases in addition to financing my recent Apple XXXX purchase. A benefit of the card is that you can finance the payments of Apple products- especially XXXX- using the card and pay in equal monthly installments. I reached out to the company/card issuer on XX/XX/XXXX to attempt to pay off the balance of the card pertaining specifically to this phone financing. I have the cash on hand to pay the phone outright now and get that balance off my card. But, when I spoke with the representative for the company/card issuer, they stated that I was unable to make a payment just to clear the debt from that financing activity for the XXXX ; instead, I would have to pay the entire balance on the card in full. I am working toward debt consolidation, and part of doing this successfully is ensuring I pay off the phone first so the rest can be handled in bulk. According to the company 's prescribed practiced and protocols as outlined by the company representative I spoke with on XX/XX/XXXX, this is not possible. It seems a bit nefarious, odd, and pernicious that I am unable to pay off this debt first and them move to consolidate/pay off the rest of the debt. I literally have the liquid cash to pay this balance and financing off in full right now.
Consumer complaint received 2022-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I have been a member of Pentagon Federal Credit Union for 40 years and had never had a problem with them before. In XXXX of XXXX, however, without any basis or documentary evidence, they claimed that my flood insurance had expired on XXXX XX/XX/XXXX and they had no evidence that it had been renewed. As requested by PFCU, I provided declaration pages for the insurance from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX as well as from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. They then claimed that there was a gap in insurance coverage from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX which was patently incorrect since they had the correct dates from the policy declaration pages. They then on several instances, threatened to purchase flood insurance to cover this period. 

I provided all the information they asked for and they acknowledged having received it, but persisted to claim there was a gap in coverage and threaten to purchase flood insurance for me. This was all documented in a series of letters back and forth from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. This entire problem was about my home equity line with PFCU, which did not even have any balance outstanding throughout the whole exchange. 

I was so disgusted with their incompetence and lack of response over this issue that I requested that they close out my accounts and terminate my membership in PFCU. I instructed them to do this in my letter of XXXX XX/XX/XXXX and again in my letter of XXXX XX/XX/XXXX. While they subsequently sent a letter stating they had cancelled the flood insurance they had ordered, they have taken no action to close my accounts, forward the proceeds to me, or to terminate my membership in the PFCU.

After 40 years as a member, I can not believe they would treat me this way and I no longer wish to do business with them. I want my membership cancelled and the proceeds of my accounts forwarded to me without any further delay. In reading reviews of PFCU online, I am apparently not the only person who has had this sort of problem with PFCU.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report. I would like you to remove and delete what is detrimental to my credit report. If you continue your willful non compliance with the law I will file a small claims from your company for violating my Consumer rights There are items on my credit report that are in violations of the FCRA. 15 USC 1681 section 611 states that if an accounts are incorrect, inaccurate and unverifiable you must remove and delete it from consumer report. Also, there is an invasion of my privacy and defamation of my character.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the XXXX  XXXX about this and haven't gotten any satisfaction.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MA)

In accordance with the fair credit reporting act Chase has violated my rights under 15 USC 1681 section 602 states I have the right to privacy under.Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2021-08-26
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. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out XXXX rounds of dispute letters to the XXXX credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capital Accounts, LLC (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

My student loan is being managed by NelNet lender. My student loan was in the amount of XXXX total. My graduation date was on XX/XX/XXXX and I do not have to pay my student loans until XX/XX/XXXX as a grace period they provided. I am having trouble contact the loan company as they have me on hold for over XXXX hour on the line which i am unable to speak with them during normal business hours. 

As of XX/XX/XXXX they have been charging me interest on my payments that i have been submitting. They do not give me an option online to make " principal payments '' online which is frustrating. I have made thousands of dollar payments and interest is getting charged for no apparent reason. Can someone assist on matter? 

thank you, XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

HSBC locked me out of my online banking in XXXX. 

This happened following fraudulent transactions on my credit card, NOT THE CHECKING ACCOUNT. 

HSBC retaliated and closed my current account. HSBC ignores the situation. A complaint was submitted to the OCC.

OCC contacted HSBC, finally OCC decided that they were no longer competent to handle this matter and wrote that it should be handled by you.

I have hired a lawyer who wrote to both OCC and HSBC. HSBC DID NOT answer my lawyer.
Consumer complaint received 2017-09-07
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: EQUIFAX, INC. (IL)

Hi, I recently submitted a complaint with Equifax to report my credit card through XXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They responded with the same information that they said previously which was to contact the credit union to have my credit card reported. Well, I 've done this with the credit union and they claimed to have reported the credit card to Equifax. I 'll include email confirmation from the credit union stating that they 've reported this information to Equifax. I ask that Equifax contact the credit union to make sure this is reported. I 'm also going to submit a complaint against the credit union providing the exact same information asking them to contact Equifax. I 'm tired of going back and forth between the two companies and each of them telling me to reach out to the other. I 'm not asking for a lot at all. I just simply want my credit card reported which I know will increase my credit score and all me to do other things that I desire with my credit. There needs to be communication between the two companies. I 've provided as much information as I possibly can at this point. 

XXXX
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

The below acct has been settled long time ago with XXXX. 
Portfolio Recovery has been harassing me again for this debt. 

XX/XX/XXXX Authorization to XXXX XXXX XXXX, XXXX XXXX, NY, Completed Details - {$250.00} USD Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XX/XX/XXXX Authorized Amount : - {$250.00} USD Authorization Date : XX/XX/XXXX Time : XXXX PDT Status : Completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Portfolio contact : XXXX XXXX Some company called XXXX sold this already settled Debt ... .all proofs attached. 
There is also another case XXXX with CFPB ... .keeps on sending notices ... 
This has been paid by XXXX debit ... ..snapshot available ....
Consumer complaint received 2022-10-24
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. (FL)

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 Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX XXXXT Account Number : XXXX Account Number : XXXX Account Name : XXXX  XXXX 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 co
nsumer reporting agency may 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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ZINC Financial, Inc., (CA)

I advised the company that I wanted to opt out per my rights. I demand they to remove the transaction history. and update the account to paid as agreed. I asked for the bank this loan was assigned to to audit the account due to possible securities fraud.
Consumer complaint received 2019-07-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending (SC)

Hi. I already filed a complaint, which has the following complaint number because it was supposed to have been " resolved '' by a prior complaint here, and OpenRoad Lending was supposed to send me a {$120.00} gift card to reimburse me for financial loses due to finance charges paid on a loan they forgot to fund. I got the gift card today and activated it and they " FORGOT '' to FUND THE CARD! So they forgot to fund my car loan, making me late with my original lender and costing me daily finance charges for 10 days to pay two car loans from two lenders on one car. And they rectified that by forgetting to fund the gift card to reimburse the 10 days of finance charges that they charged me for a loan I never had because they forgot to fund it. Is such a coincidence even possibly accidental? Here is my original complaint, which I reassert since it is entirely unresolved by this {$0.00} balance, UNFUNDED, gift card. XXXX.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, Equifax and XXXX credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, Equifax or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved