davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (NY)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2020-02-18
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)

Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness, and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2020-02-19
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/2020 I applied for the XXXX Mastercard that is advertised at the link here : XXXX XXXX XXXX. 

The XXXX Mastercard is clearly advertised as " If Approved, Make a Purchase Immediately. '' After completing the online application through Synchrony Bank, I had to call in to the 800 number listed to confirm security details. This process seemed ordinary, so I answered the questions respectfully and in full. Upon finishing the questions, I was approved for the credit card. 

Great news! I was ready to begin using my new card immediately. However, when asked how this was possible, the agent, XXXX, informed me that it was NOT possible to make a purchase immediately. 

While he did understand that the marketing of the product clearly and undoubtedly states that the consumer would be able to " Make a Purchase Immediately '' - he stated that there were several different cards that this could be referring to. Upon further clarification that there is only one XXXX Mastercard that I applied for and was approved for, XXXX stated that the marketing was correct because " I would be able to use the card immediately after receiving the physical card in XXXX days. '' Upon escalating the situation to a supervisor, XXXX, it was clear that Synchrony Bank is specifically aware of the false advertising of the card, and that they were unwilling to provide any reasonable solution for the consumer. 

I suggested to XXXX that a reasonable solution would be to overnight or express ship the physical card to my address. While this is not " immediate, '' I felt that it would be a fair way to mitigate the situation. XXXX refused to have the card express shipped and agreed, without question, that I had been misled by the marketing of this product. 

Unfortunately, there is no way to go back in time and un-run my credit report or take back my social security number. However, Synchrony Bank is specifically at fault for this situation for a ) including misleading or incomplete marketing information to advertise their XXXX Mastercard, and b ) failing to provide a reasonable level of customer service by expediting the delivery of the card.
Consumer complaint received 2020-02-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched Letter dated XX/XX/XXXX refrencing XX/XX/XXXX fraud claim date. Kindly Note statements XX/XX/XXXX through XX/XX/XXXX can be viewed on line. XX/XX/XXXX TOTAL CREDITS APPLIED this period Merchants Credits {$340.00}. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$350.00} {$300.00} My Payment. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$620.00} {$500.00} My Payment {$120.00} Merchants credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$48.00} Merchant credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$450.00} {$200.00} My Payment {$200.00} Merchant credits. XX/XX/XXXX {$910.00}. TOTAL CREDITS APPLIED this period are Merchants Credits. A TOTAL OF {$1.00}, XXXX Merchants paid on ID Theft and I paid {$1000.00} on this ID Theft since XX/XX/XXXX through XX/XX/XXXX. USAA REVERSED MY PAYMENTS AND MERCHANT CREDITS {$160.00} in XX/XX/XXXX USAA REVERSED CREDITS {$1.00}, XXXX in XX/XX/XXXX??? DOES USAA POLICY INCLUDE STEALING MERCHANTS AND MY PAYMENTS WITHOUT APPLYING A CREDIT? HOW CAN YOU REVERSE A CREDIT NOT GIVEN? USAA CLAIMS ALL CREDITS ARE INTERNAL. I understand why they would want to hide USAAs POLICY OF STEALING CREDITS NEVER APPLIED.
Consumer complaint received 2020-02-18
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. (OH)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$9800.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$580.00}
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of America Ltd. (CA)

Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi I've been asking the bureaus to look into the accounts below and I tried to send a follow up letter as well. No response or update. 

Letters were sent XX/XX/2021 and XX/XX/2021 accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please delete these accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-02-18
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please delete these accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2019-08-05
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. (TX)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX
Consumer complaint received 2023-09-01
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any inquiries that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-18
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (WI)

I bought a money order to pay my rent that was lost. I had to cancel it. They told me that they will reimburse me for 30 to 45 days. More than two months have passed and I still have no response from the company.
Consumer complaint received 2020-02-18
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: Opportunity Financial, LLC (CA)

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three ( 3 ) written requests, the unverified and FRAUDULENT items remain on my credit report in violation of Federal Law. I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report 3. Asked for Validation of the account with my original Signature as I did not sign for this loan.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately. Attached are the proof ( s ) of fraud.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and I need this fraudulent address removed from my credit report. I contacted Experian by phone and they sent me this form letter email reply along with my driver 's license and utility bill ( ATTACHED ). asking for more information that was already sent to them 4 times before along with an identity theft report signed by my local police department. 

Please remove the fraudulent address XXXX XXXX XXXX XXXXXXXX Tx XXXX along with the fraudulent accounts attached to it. 

They ask you to upload it at experian.com/upload, but it just keeps bringing you back to the original page to fill your personal information out again. This is the same issue that XXXX was doing when trying to upload on their website they didn't fix it until they received a heavy fine. 

Name : XXXX XXXX XXXX XXXX XXXX SS XXXX
Consumer complaint received 2021-04-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft, I have tried numerous times to rectify this, My social security number is being used fraudulently, I DO NOT HAVE A MORTGAGE WITH XXXX XXXX XXXX. I sent court documents and FTC report.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Brett M. Borland, P.C. (GA)

XXXX-After multiple disputes to have the inaccurate information furnished by XXXX XXXX XXXX XXXXXXXX, removed from my consumer credit reports, I personally called the company at the number provided on the consumer report ; XXXX at approximately XXXX, I spoke with associate XXXX, who i informed that i do not assume responsibility for the alleged debt and have contacted the office only to pay for the deletion of the inaccurate information from my consumer credit report, as it has caused great XXXX, XXXX  and XXXX XXXX  to my XXXX children and myself. XXXX of XXXX XXXX XXXX informs consumer that they have forwarded consumers information to : The Law Offices of Bret Borland, an affiliate of XXXX XXXX XXXX that is now handling file # XXXX, and she ( XXXX ) provides telephone number XXXX to contact this office. Consumer placed call to The Law Offices of Bret Borland at approximated XXXX, and spoke with associate XXXX XXXX. After asking consumer questions to verify identity, associate informs consumer that there are XXXX accounts associated with the XXXX social security number which is assigned to consumer ; Acct # XXXX, Acct # XXXX. XXXX XXXX was made aware that the inaccurate information furnished by XXXX XXXX XXXX has harmed consumer and consumer 's family greatly, and that consumer does not acknowledge or assume responsibility of alleged debt, but willing to pay company immediately in return for immediate deletion of inaccurate accounts from all consumer credit files. XXXX XXXX informs consumer that there is an issue with the accounts, the Cease and Desist, and i would need to contact XXXX, XXXX XXXX, at email XXXX and give company permission to call and make constant contact, thus harassing consumer about inaccurate debt, before this office can discuss matters involving this inaccurate accounts with consumer.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

My XXXX account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (CA)

My husband and I signed up with Freedom Debt Relief in 2014 after speaking with one of their representatives at length. What they offered us was a chance to increase our credit score while getting some debt relief. They would negotiate on our behalf. They presented themselves as credit experts and assured us we would have a favorable outcome. At the time, we were struggling but making our payments on-time. After agreeing to their program, we started making monthly payments to them. We did what they asked and it completely ruined our credit. This has affected our lives greatly in so many ways. I think about it often. I recently started researching how to sue them and CFPB came up. We would like to be compensated in some way to at least dig ourselves back out of this hole. Losing our credit is worst than having money taken from us. We can never get that back. The hope is that this will not happen to anyone else. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-11-17
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)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan have had my rights violated by EQUIFAX. EQUIFAX have recorded information on my file without my written consent violating 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681n ( a ) ( 1 ), EQUIFAX are civilly liable to me. I have made them aware of this as evidenced by CFPB complaint number XXXX. On XXXX I received an updated file stating that all six accounts in question would remain on my file, now making them willfully noncompliant pursuant to 15 USC 1681n ( a ) ( 2 ). Their reasoning for this was that all accounts were verified by the creditors, which can not be true as I am the original creditor as defined by 15 USC 1602. EQUIFAX, after being made aware of their transgressions are now civilly liable to for me damages in the amount of {$1000.00} per instance of violation pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). I am demanding that EQUIFAX delete all accounts in question from my file and compensate me for all damages to which they are civilly liable to me.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

There are following information that are being reported within my credit reports that are incorrect. These information have placed me in the wrong light with new creditors who are looking at my credit applications and seeing contradictions in the data that is being reported in my credit reports. Therefore, I am asking that you correct these items of information and remove the incorrect items of information.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (PA)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (PA)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-17
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. (TX)

XXXX XXXX has changed information on my credit report stating originally that I was late with payments in XXXX and XX/XX/XXXX. They also reported that I closed the account in XXXX of XXXX. If the account was closed in XXXX of XXXX I could not have been late in XXXX of XXXX. I sent in a complaint about the erroneous information and after they reviewed the information and having reported this negative information for several months changed the negative reporting to being Late in XXXX of XXXX and late in XXXX of XXXX to fit their narrative. This incorrect information has cased financial harm due to me because of its incorrect reporting for several months. Financial discrimination by reporting incorrect information on a consumers credit report should never be allowed.