davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (MD)

Since XX/XX/XXXX I have patiently waited for Equifax, XXXX and XXXX to accurately report information from five accounts, and I will gladly provide account information and records. Its been over 2 years and in accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. 

On XX/XX/XXXX Equifax completed its investigation of my dispute ( confirmation number XXXX ). 
On XX/XX/XXXX I submitted a dispute and Equifax informed me that within 30 day I would receive a response on XX/XX/XXXX however after 63 days on XX/XX/XXXX Equifax completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and Equifax informed me that within 30 day I would receive a response on XX/XX/XXXX however after 62 days on XX/XX/XXXX Equifax completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and Equifax informed me that within 30 day I would receive a response on XX/XX/XXXX however after 45 days on XX/XX/XXXX Equifax completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and Equifax completed my dispute on XX/XX/XXXX ( confirmation number XXXX ) On XX/XX/XXXX XXXX completed my dispute and provided creditor remarks as paid, closed, {$580.00} written off however on XX/XX/XXXX they provided inaccurate information as reported on my recent credit report from XX/XX/XXXX. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is another account that on my recent credit report from XX/XX/XXXX and is inaccurate. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is reported inaccurately on my recent XX/XX/XXXX credit report. 
XXXX account XXXX, XXXX, XXXX is reported inaccurately on my credit report. 

The Credit Bureaus stated my account was properly investigated but, how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and Equifax, XXXX and XXXX have violated my right under 15 U.S.C 1681 section 602 A that states I have the right to privacy and 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The inaccuracies reported by the Equifax, XXXX and XXXX is a violation of my rights under the Fair Credit Reporting Act and has prevented me from career opportunities.
Consumer complaint received 2022-09-27
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-09-02
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. (IL)

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 XXXXn 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 XXXXThis 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 XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (NY)

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent multiple sets of dispute letters and complaints alongside my FTC report but you there at Equifax are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (CA)

I bought this truck in Florida in XXXX. I stopped making payments but the truck was never repossessed, i even left it at my old employers office for 2 years completely available to be picked up. I am still in possession of the truck but I do not use it. This is a XXXX ram it still shows that i owe {$25000.00}. i sent a dispute letter to XXXX asking them to remove it from my records per : California law, code of civil procedure 337. ( I moved back to California in XXXX. I don't care for the truck and don't find it to be worth what is owed. i got an email from XXXX saying the account was " updated '' email said nothing else.
Consumer complaint received 2022-09-27
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: Nelnet, Inc. (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2022-07-31
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. (NJ)

My information may have been acquired via a data leak and may have gotten into the wrong hands.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (MD)

i WAS SOLD A CAR WITH BAD ENGINE AND OTHER SERIOUS ISSUES i HAVE TAKE CARE TO THREE DIFFRENT XXXX DEALERS AND WS TOLD TO USE WARRENTY THE CAR WILL GET FIX I AM NOT SURE HOW GOT A CAR INSPECTED FROM MD IN THIS CONDITION i HAVE REACHED OUT TO XXXX XXXX  AND NOW i AM GETTING CONTACT THEM BY EMAIL THE XXXX XXXX XXXX IS CLOSED i TOLD FINANCE COMPANY I AM GETTING ROUND AROUND AND SRILL REQUIRE TO MAKE PAYMNYS
Consumer complaint received 2022-09-27
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: BARCLAYS BANK DELAWARE (TX)

My Old Navy store card was bought by Barclays Bank Delaware from XXXX XXXX, which I had for over a decade without issue. There were problems during the conversion and my automatic payments were halted due to technical issues in their system. 

They added a 30-days late notice to all 3 credit bureaus adding my first derogatory information in 20 yrs to my credit reports. I contacted Barclays Bank Delaware, they reversed the late fees, accepted my final payment ( {$68.00} ) and closed the account at my request. 

Following this, I disputed the erroneous charge with XXXX and the dispute was returned with the inaccurate information upheld. The report said to contact Barclays Bank Delaware, which I did and their response was I would need to submit a written letter to request reconsideration.
Consumer complaint received 2022-07-31
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A states 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 2022-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I had stored some crypto which is around XXXX ( XXXX ) in my coinbase wallet in XX/XX/2021 and it lost from my account without my authorization. I contacted the coinbase wallet but they said they are not responsible for the loss.
Consumer complaint received 2022-08-23
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: Affirm Holdings, Inc (TX)

After my Husband passed away i pulled my credit report to make sure everything was getting paid I noticed a utility bill that was not ours that problem was fixed, A Company called Affirm located XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I contacted Affirm on XX/XX/2022 gave them my name, cell number and the last four of my social security number. they could not locate a account with my information. I explained to Affirm that that are reporting that i was late on this payment for the month of XX/XX/2022. Affirm then said they would open up a case # to check into this. Since XX/XX/2022 I have called Affirm over 60 times and Affirm has open 12 case number to check into what is now fraud. Case numbers can be provided. Affirm will not provide me with any documentation that I authorized this account to be opened in my name. I filed a dispute with all 3 credit bureaus and the dispute comes back in the favor of affirm. Affirm is still as of todays date of XX/XX/2022 is still telling the credit bureaus this is my account. Affirm has also been drafting a credit card for payments that i did not know I had. That credit card has been closed. Now Affirm is emailing me I am late on payments. Payments owed to Affirm that when I call Affirm they say a account in my name can't be found. This has been going on for over 70 days. and has impacted my credit.Affirm will not call me has as promised on a recorded line they will not email me on thiss issue. All Affirm does is open case numbers and report incorrect information on my credit report on a account they say does not issist.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sunset Management, Inc (MI)

I have a XXXX XXXX bankruptcy from 2015 that's discharged and almost of of the creditors included in that show up as negative on my reports. Also I have 3 collections that shows a balance due and It was in the middle of covid 19 and these places won't cut me no slack. How is a person like me supposed to get back to a great credit score? It's shameful and disheartening and most days I just wan na give up. You can see my current report and I paid XXXX XXXX to fix things but they did nothing for me.
Consumer complaint received 2022-09-27
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: Lowcountry Credit Inc. (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2022-12-08
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)

For several months, I have been trying to dispute negative accounts from my credit report, several times. And recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are my negative accounts : XXXX XXXX amount : {$560.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX- XXXX {$230.00} XXXX  XXXX {$110.00}
Consumer complaint received 2022-12-08
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. (NY)

I have a loan with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The Equifax Credit Bureau is required to verify for themselves, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, but they failed to neither verify nor update me about this complaint. Please update or correct the late payments from this account. Below is the account with erroneous information and need to fix immediately. 
XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

After a dispute that I mailed to Equifax on XX/XX/2022, Equifax deleted on XX/XX/2022, XXXX XXXX XXXX XXXX. I reviewed my credit report again XX/XX/2022 and XXXX XXXX XXXX XXXX has been added back to my credit report. Today is XX/XX/2022 XXXX days from when I discovered XXXX XXXX XXXX XXXX had been added back to my credit report and I have received no notification within the 5 business day time limit the FCRA gives. Not knowing when it was inserted back, only knowing the date I discovered it, it has been longer than 5 business days, a direct violation of : 15 U.S. Code 1681i ( 5 ) ( B ) ( II ) - Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I never authorized the reinsertion of XXXX XXXX XXXX XXXX, therefore Equifax is in VIOLATION. Attached to this dispute is the initial letter I mailed to Equifax on XX/XX/2022, XX/XX/2022 tracking number, a copy of my revolving accounts credit report on XX/XX/2022 & XX/XX/2022.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I made over {$4000.00} worth of purchases from Home Depot in XX/XX/XXXX and was told we qualified for zero interest for 24 months. My wife and I planned the payment schedule so that we could pay off everything with the same monthly payment amount for 24 months. I checked the statements for the first few months and didn't see interest accruing. I didn't check back for a while and in XX/XX/XXXX found that well over {$1000.00} in interest had been accrued. I spoke to the Home Depot credit card management and they said the interest-free offer was only for 6 months, but when we signed up for the card we were told it was for 24 months. I spoke to a manager at Home Depot on Sunday, XX/XX/XXXX, who spoke to a customer service manager for the Home Depot Credit Card, who both agreed that this was wrong and that they would get all of the interest reversed. On Saturday, XX/XX/XXXX, I noticed none of the interest on my card had been reversed, so I called Home Depot and they told me that the interest wouldn't be reversed because I didn't communicate about the promotional offer lapsing in enough time for them to reverse it this despite a customer service manager previously telling me it would be reversed. So in order to avoid further interest being charged, I paid off the card in full on XX/XX/XXXX and called them back immediately to cancel my credit card and let them know I will never be a Home Depot customer again. If there is anything I can do to try to recoup some of that money and get refunded the interest, that would be appreciated, if not I understand. In any case, I feel it's important for Home Depot to be recognized as having clearly deceptive advertising practices that prey on average consumers who did nothing wrong and was paying more than the minimum amount on time every month.