davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX, I requested my personal file from XXXX and I could not get verified in order to review my personal file. I had to wait for 2 weeks just to receive a letter that they are unable to verify my identity. Over the next few months I continued to request my personal file without success. On XX/XX/XXXX, I requested my credit report from Equifax. I received my report immediately online. After looking over my report I discovered 9 un-mailable addresses that were being reported. On XX/XX/XXXX, I called Equifax disputed the 9 inaccurate addresses on my credit report and I requested them to remove the addresses. Equifax initiated my dispute and started an investigation into the matter. I informed them that reporting inaccurate information in my credit report is a violation of the Privacy Act of 1974. 
On XX/XX/XXXX, I received the results of their investigation. Equifax has determined that the XXXX addresses in dispute were inaccurate and they have deleted all 9 of the inaccurate address from my credit report. 
On XX/XX/XXXX, I have requested my XXXX personal file and I was able to verify my identity and they have mailed me a pin to review my personal file online. Not having access to my XXXX report has cost me a lot of money because I don't know what information it contains but my insurance rates continue to rise despite my driving habits staying the same. I have XXXX tickets and XXXX accidents. I believe the fact that Equifax was reporting inaccurate information in my credit report it was preventing me from receiving my XXXX report. Reporting inaccurate information on my credit report is a violation of the Privacy Act of 1974.

In violation of 15 USC 1681, Equifax reported 9 inaccurate addresses in my credit report to XXXX on at least 1 occassion on XX/XX/XXXX. Per 15 USC 1681n Equifax is liable to pay damages for each inaccurate address reported or 9 times not less than {$100.00} each to a maximum of {$1000.00} for each inaccurate address reported. My insurance rates have more than doubled in one year for no reason caused by myself. I believe this has caused me financial damages, my rates are higher and I couldnt see whats in my XXXX report until the inaccurate information was removed. My credit report should not be shared with XXXX in the first place as I never gave Equifax permission to share my personal information with anyone.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Consumer complaint received 2017-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GRANITE STATE MANAGEMENT & RESOURCES (MA)

This problem originates with a school that has since closed down and left few options for continuing education without starting over and it ends with the shady practices of the financial aid department who promised me they were finding me all federal loans and than had me sign off on a loan private loan from a institution I was provided little information on. A naive and unlearned XXXX XXXX XXXX had no knowledge that this was a private lender and thus required immediate repayment of loans and at a then exorbitant rate. <P/>Student loan from Granite State Management & Resources Received initial disbursement of {$3300.00} on XXXX/XXXX/XXXX with two subsequent disbursements of {$3300.00} and {$3300.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, respectively. Total loan of {$10000.00}. My interest rate is currently 4.29 % I have currently paid {$6900.00} of the principal yet still owe {$4800.00} due to {$1700.00} in XXXX XXXX. <P/>My current monthly payment breaks down as follows : Total : {$90.00} Interest : {$48.00} Principal : {$41.00}
Consumer complaint received 2020-07-12
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: JPMORGAN CHASE & CO. (GA)

I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : JPMCB CARD XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX USA XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2017-12-25
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. (CA)

I recently came to know from XXXX that there was an hard inquiry reported by Equifax that was not authorized by me. 

Details : Date of inquiry : XXXX XXXX, 2016 Name of inquirer : XXXX XXXX XXXX XXXX : Equifax I did not authorize this credit check.
Consumer complaint received 2021-09-07
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)

Notice To all, Today, XX/XX/XXXX XXXX, I am providing this complaint pursuant to 15 U.S. Code 1692a ( 3 ) - consumer means any natural person obligated or allegedly obligated to pay any debt.

Also, I am providing this statement pursuant to 15 U.S. Code 1681c ( 2 ) - a consumer reporting agency ( EQUIFAX ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-12-25
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. (UT)

Equifax is reporting accounts that arent mine and i am asking for them to remove the accounts that i have listed below Public record Chpt XXXX Bankruptcy ( Not Mine ) 1. XXXX XXXX ( 2 ) accounts 2. XXXX XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX ( 2 ) Accounts 7. XXXX XXXX XXXX/XXXX ( 2 ) accounts 8. XXXX XXXX XXXX. 
9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX. 
12. XXXX XXXX XXXX 13.XXXX XXXX XXXX
Consumer complaint received 2017-09-29
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. (MI)

I experienced a financial hardship several years ago.  My home loan was originally with XXXX XXXX XXXX (XXXX).  XXXX transferred my first and second mortgage loans to XXXX.  XXXX  and I agreed to a settlement for my second home loan.  I had to pay $XXXX within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit.  XXXX kept their word.  However, XXXX and Equifax refuse to adhere to the letter.  I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report.  How should I proceed?
Consumer complaint received 2023-01-28
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX  XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX. XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$28000.00}
Consumer complaint received 2020-07-12
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: ProCollect, Inc. (GA)

I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX  and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. ACCOUNTS : Account Name : PROCOLLECT , INC Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX   XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX  XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX {$8000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-08
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)

On XX/XX/XXXX I overnighted a dispute letter to EQUIFAX and a copy of my identity theft report ( please see attached ) and asked them to remove the fraudulent inquiry from XXXX. By law, they were supposed to remove it four days after receiving my dispute- as of today, XX/XX/2022, they have not removed it. I even spoke with one of their representatives on XX/XX/2022, who said she was going to delete it - that was seven days ago and the fraudulent inquiry is still showing on my credit report. Please remove the fraudulent inquiry from my credit report immediately as I have requested numerous times.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NV)

I'm having so many issues with American Express to get my past due reporting fixed.. My closed Gold card was reporting past due XXXX XX/XX/XXXX 60 days XX/XX/XXXX because of past due fees and finance charges, I thought I paid my account in full but later received a letter that the fees had been waived. I called to check on the reporting around XX/XX/XXXX and the person told me that the past due reporting had been removed due to the nature of the balance. I recently reviewed my credit report and the past due history continues to report. I called a couple weeks ago and the agents were less than useful, for people working for one of the best credit card companies, they did not know what they were doing. They kept telling me that they don't have records of the reporting past XXXX, but if you're reporting the information to the bureaus you need to keep records of the information. The " supervisor '' told me that a case would be opened to have the information reviewed but when I called back today, the agent wasn't able to provide any case information ( this agent was great btw, not a lot he could do to help ). As much as I love my Platinum card, the service I receive is not what you'd expect for a {$600.00} XXXX. All I need is for the information to be updated like I was promised by the agent I talked to a few years ago. If there is no record of the call where I was given incorrect information and then it should be removed because of poor record keeping. It's ridiculous that for a company like American Express, there are so many hoops to jump through just to get information about my credit cards.
Consumer complaint received 2022-09-08
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-10
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. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

On XXXX I made a cash deposit at a BBVA compass ATM machine located at XXXX XXXX XXXX XXXX TX XXXX. The machine prompted " we 're sorry your cash has been retained ''. I contacted them right away and was put through series of questions like I was trying to steal {$54.00} of my own money from BBVA. They provided me with a dispute # XXXX. They stated they will contact me back but they never did. I called and emailed over 5 occasions and was passed on from one department to another and even to the branch itself. Today is XXXX/XXXX/17 and I still do not have my money that I deposited on XXXX/XXXX/17. Everyone there keep saying that they 're limited to what they can do. Please assist. I even asked for their executive relation but was not successful.
Consumer complaint received 2017-12-25
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. (NJ)

On or about XX/XX/2017 I submitted a request to EQUIFAX to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 

More specifically, EQUIFAX is required by federal law to verify and PROVIDE PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. 

Despite numerous, requests, EQUIFAX has NOT done so for : XXXX XXXX a/c XXXX XXXX XXXX XXXX XXXX XXXXXXXX a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below :
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I was placed in administrative forbearance multiple times over the past two decades which has caused me to still be in this situation with this company. 

I will attach an email I received 9 years ago from the company. I didnt know what I could do then, now I know these things would be servicer errors. 

In order to fix their mistake of not sending me repayment information, they would just put me in forbearance. When I ask about it, I am told that they can not talk about what happened past the 7 year mark. Now I have 4 different issues because this moved to XXXX from XXXX XXXX. 

I didnt know I would not be put back in forbearance since that is what had happened for almost 2 decades. 

Attached is the list they sent me on XXXX  of what they did over the years. Two periods where I am in forbearance for 3-4 years. One, the time with XXXX  XXXX XXXX, was a time I was enrolled for one week. Yet they claim I was enrolled for 4 years, the school confirmed they informed that was incorrect. Another, 3 years, they said it was to cover gap from last date of attendance no other real reason. 

They would place me in forbearance or deferment for no reason.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I started off with a low interest rate on my Capital One Card. They have now increased the 32.99 % when my balance went up making it impossible to pay my balance off. It's ridiculous they're taking advantage of lower income households during this struggling economy.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00}
Consumer complaint received 2021-09-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2017-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

I Received a Summons and complaint XX/XX/2017 from XXXX district court from Discover Bank Attorney in, in the amount of {$6000.00}. 
- I have reached out to discover on numerous occasions and reported that this was not me nor is the debt incurred mine, they have yet to validate my debt. I have also informed them that my identity was stolen and I have Documentation from the police and also the IRS to prove so. 
I have sought counsel in regards to this matter. 
I have also checked My credit report and I have no debt from Discover on there either.
Consumer complaint received 2017-09-29
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. (VA)

I have XXXX Hard Inquiries from a XXXX XXXX XXXX Credit Card XXXX XXXX dated XXXX XXXX XXXX and XXXX XXXX XXXX respectively and I did not apply for credit.