davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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. (FL)

This credit company XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting my balances. Outside of the 31 days cycle. My cycle is from the XXXX to the XXXX of every month. Reporting my statement on the XXXX to all the bureaus across the board. This is within the 31 days cycle. But they have reported me to Equifax and other Credit bureau 's within 10 days of the 30 day cycle showing my spending at a higher percentage then it would be at the end of the 31 day cycle. This is happened more than once over the last XXXX months. I've communicated with them on several occasions to see what the problem was. They said that they never report outside of the statements. Got in contact with my credit bureau Equifax they said they would be no reason for Equifax to update anyone 's balance unless creditors reported or requested. XXXX XXXX / XXXX XXXX Act # ... ... XXXX
Consumer complaint received 2022-08-22
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. (MI)

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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I submitted a payment on XX/XX/XXXX of {$300.00} which was later rejected. I was in the process of transitioning banks, so I reached out on XX/XX/XXXX as soon as I realized what happened and paid the {$300.00} immediately. I spoke with them via email to explain what happened. I had been a member since XXXX, and I was always on time with my payments. They waived the fee and the payment posted on XX/XX/XXXX. Today, XX/XX/XXXX I was notified by my bank that my Care Credit account had been closed. I looked through my email, as well as my Care Credit online account for a letter notifying me of an account closure and found nothing. I called Care Credit and was told that I missed a payment back in XX/XX/XXXX of {$93.00}. I explained that I made a payment on XX/XX/XXXX, one day before the payment due date of XX/XX/XXXX. I was told the payment was rejected because since the bill due date was a Saturday, it wouldn't be processed until the following Monday, therefore making it late and that it should have been submitted on XX/XX/XXXX. I received no message back then indicating this would be considered a late payment or to submit at an earlier date.
Consumer complaint received 2022-06-26
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. (FL)

in accordance with the Fair credit reporting act, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states i have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I notice XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXXXXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud
Consumer complaint received 2022-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NJ)

On XXXX XXXX I am received funds of a business transaction for materials. I immediately deposited the check into my business account it was Friday. The company contacted me via messenger to check if the funds were available. Sidebar this check was sent viaXX/XX/XXXX. The funds wasnt available on a Monday I immediately contacted the bank as to inquire about the check and why was it taking so long to clear. The representative said a letter will be mailed out about the Check. I immediately asked what was the problem. I came to understand something was wrong. I was concerned, this was my business account my livelihood. I received a letter stating the check was being held for clearance. I immediately the company that distributed the check. They didnt answer me from that day til this one. The bank froze my account, charged me for monthly charges. I wasnt able to mange or produce business thru my account. The only way I found this out was I signed onto the account and it says XXXX dollars. I immediately call the bank to gain a greater understanding. I was treated like a criminal, what the bank wanted to take out on the company that sent that check to me they totally took out on me. My civil rights were violated. I again I reach out to the bank, I was sent to the fraud department, I explained to them I havent been contacted by the bank and my account isnt accessible to me. I learned not only was the check frozen but so was my account. The representative got in touch with the back office. A XXXX XXXX XXXX was very very rude and she beat around the bush very bad. I asked about my accessibility and can I deposit money into my business account. I was told yes and then no. At the end of the call I was told to go to the bank to retrieve my cash. I went and was totally embarrassed. I sat in that bank not being helped until closing. XXXX XXXX looked away from me the whole time never attempted to call anyone just had me sit she took my license and the paperwork that I have to her but told me that she couldnt help me. Thus was the second time I went and the same thing happened except this time I was asked to leave because there was nothing that could be done and they were leaving for the evening. I have lost a lot of money and business behind this very rude interaction. Im in debt today because of this and my two business are in jeopardy. When I walked in the bank I was looked at as a joke.XX/XX/XXXX+++ shouldnt be treated like this because I identify myself as myself. I was so humiliated! As am entrepreneur Im at a lost of words as an minority. I never thought I would experience something so mean here in New Jersey. This bank dont take likely to my kind and Im truly offended. I also had the liberty of speaking to XXXX XXXX XXXX and I still dont know why she called me its meaningless. Please help!
Consumer complaint received 2022-06-26
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)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXXXXXX XXXX XXXX account number is XXXX ..... 

XXXX states account balance is {$3500.00} XXXX states balance is {$3500.00} XXXX states balance is {$0.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

For weeks I have repeatedly attempted to contact Macy 's Customer Services via online chats, emails, fax, phone calls and registered letters in order to prove that I paid them the due amount ON TIME. Provided them copies of documents which show that the full amount was paid, debited electronically from my XXXX XXXX XXXX checking account on XX/XX/22. To no avail. As of today no action/response/acknowledgement from Macy's/CitiXXXX XXXX XXXX Bank came XXXX All I have been receiving are online alerts and Statements with penalties. 
This is affecting my credit rating as well.
Consumer complaint received 2022-07-28
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. (IN)

I need a HUMAN BEING to read my complaint I do not consent to E-OSCAR. 
In accordance with the fair credit reporting act EQUIFAX has violated my rights. They stated that XXXX  XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-09-20
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 — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (CA)

Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payme
nt account under an open end consumer credit plan as a late for any purpose 15USC 1662 : For purpose of this section, the term billing error means ( 1 ) reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to the person who as actual implied, or apparent authority to use consumer open end credit plan.
Consumer complaint received 2022-06-07
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (WA)

Was encouraged by loan servicer, Nelnet, to enter into a spousal consolidation loan in XXXX. In XXXX the PSLF program was created, and while I have worked for a qualifying employer for the past 17 years, my loans are not eligible for PSLF because my ex-spouse does not qualify and there is no mechanism to de-consolidate our joint loans into direct loans that would allow me to qualify for the program. I have spent years getting inaccurate and inconsistent information about my eligibility and how to access the program. I have now paid significantly more than my original loan balance and can not get any of what should be qualifying payments applied to PSLF.
Consumer complaint received 2022-06-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (AR)

My husband XXXX XXXX XXXX XXXX daughter works for U.S.Bank & now she works for XXXX XXXX a computer company. She took out a student loan in his name we received a copy in XXXX he is disable from birth with XXXX XXXX he Can Not read & can only write very little. In XX/XX/XXXX we hired XXXX XXXX XXXX XXXX they showed us where & how she's been able to pull off this Identity Theft on her Dad, they went back to XXXX she got credit at XXXX XXXX & all the U.S.Bank positive accounts were done by her. She's a notary too, XXXX caught her signing his assets over to herself. We have contacted U.S.Bank over & over for years. They foreclosed on us for a mortgage we didn't do auction date XX/XX/XXXX then again XX/XX/XXXX, XXXX again on XX/XX/XXXX & now number XXXX XX/XX/XXXX. We stopped all six with documents they didn't think we had without a XXXX. We filed an Identity Theft Report with the FTC. In XX/XX/XXXX a lifelong friend found online three checking accounts in my husband s name we knew nothing about, they went to U.S.Bank closed that one they didn't give them any paperwork they went to XXXX XXXX & closed a joint checking account thy asked them how could she open a joint checking account without him being there they said that they didn't know they gave them no statements either, my husband & I closed the last one thge next day at XXXXXXXX XXXX XXXX XXXX XXXXXXXX they gave us some of the statements. On the cancelled checks the one in the middle is where she printed his name as XXXX then she sign his name he wasn't there & didn't give her consent & her & her ex husband bankrupt in XXXX with our property. On the fraudulent document stating he had sold XXXX  XXXX acres the seal is over the writing on the first page & we have 2 witnesses that was there when she sign his name it wasn't in XXXX as she stated it was done in XXXX. U.S.Bank in XXXXXXXX XXXX sold XXXX acres on XX/XX/XXXX the first auction date was XXXX you ALL ... XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct. # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXX has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, all four are showing on my report with the same Account Number XXXX
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

I have contacted Transworld System on a matter that pertains to my credit. I have been a victim of fraud. I sent Transworld System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked transworld system to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX  score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Transworld system and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

When I received copy of my credit report and noticing all the inaccurate and outdated information being reported, on XX/XX/2022 I sent letters to Equifax, XXXX and XXXX about these inaccurate information and asked them to investigate and remove all these erroneous information from my credit report affecting my credibility. But unfortunately, till this day as of more than 45 days I have not received any correspondence from them in regards to my dispute.
Consumer complaint received 2022-09-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I wrote letters to Equifax, XXXX, and XXXX. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.
Consumer complaint received 2022-04-24
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. (CA)

Equifax stated that the following account was verified XXXX ( XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Equifax was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cawley & Bergmann, LLP (TX)

I received a call from XXXX ( though it said XXXX on my caller ID ), and it went to voice mail. I have the message sent to me in text ( a paid service from XXXX ) wherein the company says the following : " Good afternoon this is XXXX XXXX debt collector with Cawley & Bergman 'following-up on previous calls and letters ' [ no such calls or letters exist ] about an 'important PERSONAL business matter ' [ what does that even MEAN??? ] that has been palced in my office. This is not a sales call. Please return my call as soon as possible at XXXX. I will be in the office today until XXXX XXXX  Central. Your prompt attention to this SENSITIVE matter is appreciated. '' I called the number back, livid that a company would leave such a message and having my own attorney on standby ( a friend who specializes in debt collectors practicing bad business ) whereupon I explained that I would like to know what they meant by a " personal business matter '' and said that I had an attorney so to please give me a straight answer. She talked over me entirely and only kept asking about my attorney 's information. I explained I needed to know what the call was about and she said she needed to " verify my identity '' before explaining. I asked her to " go for it please, because I would like to know what you are calling me about. What do you need to know? '' It was then her " supervisor '' got on the phone and everything went south. I wish I had recorded the call but I can not recall a time being treated with such disrespect - talking over me, not letting me say a thing, yelling .... 

PLEASE give some attention to this matter. I know my rights, and I am very comfortable with the laws around this sort of thing. I could not just let this go by without filing a complaint. A personal business matter that's apparently sensitive?? Please. 

Again, please kindly pursue this as I really hope nobody else has to endure such bad business and skirting the law. My friend/attorney would surely find that they are breaking several laws, I just know they need to be stopped. 

All my best, XXXX
Consumer complaint received 2022-06-26
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Loans Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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.