davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the  sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AR)

UNDER THE BK CODE, LEXIS NEXUS MUST FURNISH ME ALL JUDGEMENTS, TAX LIENS, ALL PUBLIC RECORDS AND PROPERTY OWED FOR THE PAST 20 YEARS, ALONG WITH ALL CREDIT REPORTING HISTORIES ...
Consumer complaint received 2019-10-27
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. (MI)

I began to review information on my personal credit file and noticed SEVERAL errors and inaccuracies. Based on my rights as a consumer, I began to request verifiable documentation for the items being reported. Upon contacting several agencies, I was alerted that information was not shared, thus, indicating that company 's response to the item in question ( Bankruptcy ) being verified was not only a deliberate lie, but also illegal. The company deleted this item from my credit files, THEN ADDED this item back, which is also illegal.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I have been a member of this company since XX/XX/XXXX, with an extended credit limit of XXXX, they have reduced my limit to XXXX ( which I wasn't happy about but I let it slide ). Now today XX/XX/XXXX i am being informed that both my Credit card with Card Member Services has been shut down, for no valid reason. I have NEVER been late on a payment. I also make big chunks of payments of XXXX here and there to reduce the utilization from time to time. ( see documents attached to prove ). When they told me the reason they said i was a credit risk. they have fraudulently checked my credit report which is a violation of my rights and never gave permissible purpose. FCRA 1681 usc ss 604 states that! they did not give me any warning what so ever. regardless i have great credit and they broke the law. i will also be filing a XXXX  complaint against the company for mal practice. them shutting down my card put my credit in a bad situation and i will seek litigation action. i have been using their cards for over 2 years. that was just one card. they also shut down my us bank card with a limit of XXXX. when i tried to go to the store and swipe my card it was declined which was embarrassing. come to find out my us bank card is matched with card member services. it was both a XXXX cashback card and a us bank flex perks card. they shut both of them down because they said they check my credit score ( without my authorization or permission which is a violation of my privacy right and the law )
Consumer complaint received 2020-10-20
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: EQUIFAX, INC. (CA)

It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.
Consumer complaint received 2021-10-05
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$79.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$8300.00} XXXX XXXX Balance : {$3300.00}
Consumer complaint received 2019-10-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STERLING JEWELERS, INC. (CA)

On XX/XX/XXXX and XXXX, XXXX, an individual called my employer and spoke to a colleague about a " pending lawsuit against me '' and they needed to " reroute legal papers that were being served to me. '' After the first instance, I told them to not contact my employer again. They contacted my employer a second time, where I again stated that were to not contact me at my place of employment. The person who left the message was named " XXXX XXXX. '' I spoke to someone called " XXXX XXXX, '' who then sent " legal documents '' to my email address. It is a debt collection notice for a debt that I do not owe. It is from XXXX and is not on my credit report. The original creditor had sold the debt years ago. This company, going by " XXXX XXXX XXXX, '' is also known as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have three different addresses and numerous telephone numbers. I attempted to reach out to one of them and it was answered by a law firm called " XXXX XXXX XXXX XXXX. '' The receptionist mentioned she receives numerous phone calls from people trying to contact XXXX XXXX XXXX XXXX. The number for XXXX XXXX XXXX no longer works. 

Additionally, I have sent out " cease and desist notices '' via email and certified mail to all three companies. I spoke to XXXX XXXX on XX/XX/XXXX, after she called my cell phone, and informed her that it is not my debt and they need to stop contacting me. She again threatened to have me served at my place of employment.
Consumer complaint received 2019-03-08
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)

See attached account detail : US DEPARTMENT OF EDUCATION This account being reported by Equifax is a COLLECTION ACCOUNT. 
PER FCRA GUIDELINES, A COLLECTION ACCOUNT CAN NOT REPORT A MONTHLY PAYMENT HISTORY. 

Account is also reporting as an INSTALLMENT LOAN and states SINGLE PMT LOAN This account is not an INSTALLMENT LOAN. 

Equifax last report on XX/XX/2018 showing account as 120 day late in XX/XX/2018 ACCOUNT WAS PAID IN FULL ON XX/XX/2018, AND FAILS TO REFLECT THAT ANYWHERE. PER FCRA GUIDELINES, MONTHLY REPORTING ON A COLLECTION ACCOUNT IS A VIOLATION. 

I have disputed these facts with Equifax and to this date, they have not corrected/deleted disputed information. 

Equifax states that Dept of Education has verified information reporting. However, Equifax is violating the FCRA by reporting an account as both a collection account AND also an installment loan. A " method of verification '' request was given and was never responded to. 

SEE ATTACHED EQUIFAX REPORTING
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IL)

I have contacted IQ DATA INT. Several times about an open collections account shown on my credit report. I have written and emailed signed documents with the amount the original creditor submitted and was attempting to charge me. They took a {$2600.00} balance and posted {$5900.00} onto my credit report as a collection amount. They have failed to respond to any written documents Ive submitted and calls.
Consumer complaint received 2019-10-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (DC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-03-26
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 recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, XXXX  and equifax to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.
Consumer complaint received 2020-07-12
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. (NC)

I sent a dispute letter to Equifax on XX/XX/2020. They responded to the request to put an promotional suppression on my credit file however they did not investigate and respond to the items listed on the letter about the dispute. 
I will attach the letter and their response to this complaint. I know that i have rights under the FCRA and those said rights have been violated.
Consumer complaint received 2020-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NJ)

I opened a checking acount at M & T bank online, i went to the XXXX branch to make my first {$50.00} dollar cash deposit everything was fine next day i decided to open a secure credit card made an apointment came in deposited the {$250.00} cash required gave them my state of NJ government issued id and social security card and a letter from NJ unemployment i was told everything was fine, after that i deposited another {$500.00} dollars in us cash currency into my checking acount which i was told was open and the following morning another deposit of {$300.00} cash us currency into checking so i could open up a couple of secured credit cards one with XXXX for XXXX i gave them permision to take and XXXX for another XXXX permision after almost 10 days i received a phone call saying the bank needed more identification from me because they were issuing a credit card i told her close the saviings put it in the checking forget the card .knowing i was being discriminated against by people who i believe secretly hate Americans i decided to call and speak with a different branch manager to see if i could resolve the issue i made an apointment with him to come in the following day i asked the problem he told me to bring more identification he called the XXXX manager and made anapointment for me to bring in more identification i even brought my lease and wasted more of my time after taking and copying my paper work i was told my acount s were closed they made me drive to the bank for nothing they knew wthe evil they were planning in advance they admitted to talking to each other until i confronted them about it
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

As of XX/XX/2019 the account in question is reported as a derogatory account. It is also reported as a paid Charge off account. When in fact this account has been paid on time from my bank account directly to the lender for over 2 years. This activity and history are shown in the history of this account. I have a copy of the history of this account and it can be shown that the account was not discharged or dismissed. This account has not been paid from a bankruptcy plan and should not be in that status.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OH)

I closed all of my accounts with Citibank in XX/XX/2021. They have refused to close a savings account ending in XXXX I have called them numerous times and spent many hours on the phone they are wholly incompetent and unwilling to locate and close the account however they know enough to continue charging me {$XXXX} per month and overdrawing the account with account fees although the account has been closed for over XXXX months
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I have a reliacard for unemployment and had money taken without my knowledge I called reliacard and reported the theft and they started an investigation. They gave a time line of 9 months and I waited. That was around XXXXAbout a month later I get a letter of no wrong doing and immediately call and request the transcripts of the investigation and copies of my charges and debits as mine were deleted from my app when I got my new card. What came was a letter saying no wrong doing and my charges and that were missing. Immediately called asked for the transcripts and received the same two more times. I have yet to receive the transcripts to this day. I hope you can get them because I don't think they did anything as it's pretty clear these charges are out of character looking at my spending habits. The charges are first XX/XX/XXXX at XXXX XXXX to XXXX XXXX, next is XXXX at XXXX for XXXX along with another at XXXX the same day at XXXX for XXXX, fourth is XXXX XXXX on XX/XX/XXXX at XXXX to XXXX. Any help you can provide will be greatly appreciated. Thanks and look forward to your response.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Once again I am opening a complaint against Equifax, since the XXXX closed my last one without a single thing being fixed. 
Equifax has been injecting errors into my reports and their responses for XXXX  months. 
Every time I have worked to correct those errors, they have made excessive soft pulls on my credit report, as a way to punish me for trying to fix their errors that they injected. 

My former complaint : COMPLAINT ID : XXXX was not resolved in any way whatsoever. They are sending letters to me by addressing me with the WRONG NAME on their address labels, and the WRONG NAME on their greeting. They have not fixed this whatsoever. I had also specifically requested that they not make any pulls on my credit score, and remove the excessive pulls they had made without fixing their errors. They ignored both. They pulled my credit again and they have not removed the excessive pulls they made before - meaning more than XXXX pulls on my credit in the last XXXX months, sometimes XXXX  TIMES PER DAY, often XXXX TIMES PER DAY, and/or at least once per day for consecutive days. 
I have photos to share of all these issues, if you provide a way to share them. 
I also attached photos to my XXXX complaint against them, but they ignored everything I was saying and just tried to close both complaints, which simply won't work. 
I will continue to escalate and confront this until it is fixed. 
XXXX needs to grasp that Equifax is injecting errors into consumers reports and not fixing them, but instead penalizing the consumer for confronting their mistakes by making excessive pulls on the consumer 's credit. Then they try to cross-sell the consumer to pay them money to get their credit report fixed " faster '' - which is tantamount to a business model based on holding someone's credit XXXX and demanding a ransom. 
It is not acceptable to me that I made a complaint with XXXX  and the entire thing wasn't remedied even slightly. These are not minor mistakes - my name is not a matter of opinion. It must be corrected. And Equifax should not be allowed to make excessive pulls on a consumer 's credit without fixing a single thing for XXXX months. It is both an issue of taking way more than XXXX days to fix something, and also not fixing the consumer 's issue all. 

PLEASE DO NOT CLOSE THIS COMPLAINT UNTIL I HAVE CONFIRMED IT IS ACTUALLY FIXED.
Consumer complaint received 2021-03-26
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 don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affecte by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-10-26
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: SYNCHRONY FINANCIAL (MI)

I never authorize these inquiries from tj max on XX/XX/XXXX XXXX also on XXXX XXXX XXXX XXXX XXXX XXXX XXXX syncs/old Navy XX/XX/2019 2019
Consumer complaint received 2018-03-05
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: EQUIFAX, INC. (FL)

Both XXXX  and Equifax refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

Equifax continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work XXXX   refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to XXXX
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (KY)

The company, which I did not recognise who try to collect money I did not own. Continue to send me bills ( I did not own ) for a year, took long time for me to find out the address ( they refuse to disclose address ) - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. 
The Company, try to collect money, send me response to my letter ( 3 months later ), refusing to answer my request questions about : - why do they think I own debt, and whm do I owe it ; - license number, name, state agency issuing license ; - physical address of the creditor. 
I'm XXXX XXXX XXXX retired XXXX.