davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
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. (IN)

Equifax ; XXXX  and XXXX  should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-09
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. (OR)

On XX/XX/XXXX Equifax deleted a XXXX  XXXX account compromised by fraud. The red flags were the information furnished was incomplete inaccurate and not a reflection of my credit history. 

On XX/XX/XXXX Equifax reinserted this account illegally aged and again incomplete and inaccurate with full knowledge of a police report, ID they affidavits and sworn statements under oath with XXXX XXXX magistrate court. 

This is a violation of title 15. And I am requesting equitable relief under section 623 for knowingly furnishing inaccurate information. 

On a call with XXXX an equifax supervisor he stated the information submitted previously was older than 90 days old and they do not keep records beyond 90 days. But that the Furnisher verified the info and it will stay for 7 years unless re-disputed with relevant info. 

I requested the account level detail that equifax used to verify the Furnishers right to insert this info and he advised Id need to verify myself with the Furnisher Based on this feedback and the attending consequences of new negative info being reported I am requesting an investigation into the procedures established for ID theft victims. 

Thank you for your support in enforcing the law
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MN)

I have questions regarding a 1099-MISC I received for a credit card account ending in XXXX which is a Disney Rewards Visa through JP Morgan Chase Bank NA . I received a 1099-MISC in the amount of {$590.00} for this account. I only ever received a {$300.00} statement Credit for spending {$1000.00} ( which the IRS doesn't consider taxable income anyway based on Internal Revenue Service Number : XXXX / XXXX ). I would like to know why there is a discrepancy between the value stated on the 1099-MISC and the amount actually earned as a statement credit. I have visited a branch in person, I have called the number on the Card, i have called the number on the website, and i have called the number on the 1099-MISC document . I have also sent messages through their secure message center. Between these calls messages, and branch visits have spoken to 10+ people, none of which are able to understand this discrepancy, explain it, or help me whatsoever. I have wasted countless hours trying to get an explanation and have received nothing. Now I am being forced to file and pay taxes based on this incorrect amount provided by Chase.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

Hunter Warfield, INC XXXX XXXX at XXXX {$6500.00}. 

I was under a lease at XXXX XXXX XXXX in XXXX, Texas. I have never lived in XXXX. I was XXXX at the time. I have disputed for the past 4 years No one can show me proof that I have lived there.
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

in XX/XX/2019 my bill for {$430.00} did not go through when it was on auto-bill. i reached out to the company and they said they saw the draft try to come out of the bank but it was rejected. they never notified me of this rejection and gave me this late payment. i now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Services (OR)

I was told I could consolidate my loans. Spoke with people on email and phone to make one time payment to get the loans consolidated. They took the money and said to stop answering calls form student loan places. I believed they were reputable. After checking back in on the fact i have n't heard from them, all emails were no longer viable and i could not find any website or place to get a hold of someone.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (NJ)

I HAVE BEEN DISPUTING THE ATTACHED ACCOUNTS FOR ALMOST A YEAR NOW, I AM VERY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY FILE. THE ACCOUNTS ARE PAID OFF AND I WOULD LIKE THEM TO BE PERMANENTLY DELETED OF FMY CREDIT FILE. THOSE ACCOUNTS HAVE BEEN OFF MY REPORT PREVIOUSLY AND REAPPEARED WITHOUT MY KNOWLEDGE. PLEASE REMOVE THOSE DISPUTED ACCOUNTS OFF.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I received a NetSpend gift card from my XXXX nephew for XXXX. I tried to activate it and was told it was a credit card. I let the customer service rep know I did not want a credit card, I just wanted to get the funds off the card. I was told I couldnt use it as a gift card. I replied that my XXXX XXXX nephew bought it off of a gift card rack at XXXX XXXX, how could it not be used as a gift card. After getting the run around I hung up. 

Today, after a few weeks, I have cooled off and called again today. I was told the same story, but the customer service rep at least was willing to see if she could make it a gift card instead. I was put on hold and when she came back on line she told me the card had expired. I asked how could it have expired when the date on the card showed XX/XX/XXXX?
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax, XXXX, and XXXX, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX Equifax, XXXX, and XXXX, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding exclusions on consumer reports states that a consumer report does not include information solely as to transactions or experiences ( charge off status, payment history ) between the consumer ( Me ) and the person ( Equifax, XXXX, XXXX ) making the report. IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income. According to the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper, it states in section 2.2.1 ( 2 ) that credit reports do not contain information on a consumers income or assets. These charged off/canceled debts are inaccurate information as income is not to be included on a credit report. I have included attachments from the pages of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), IRS Publication 4681, and the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper containing this information. I have also attached the credit reports from each credit reporting agency containing the inaccurate information. This is an explicit notice to immediately delete these inaccurate entries.
Consumer complaint received 2024-02-09
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. (GA)

I was a victim of identity theft and decided to check my report for accuracy, I noticed a few accounts, addresses, and inquiries that was incorrect or opened fraudulently! Ive reached out to the creditors asking them to remove these items from my report as well as the credit bureau several of times on numerous occasions but to no avail the accounts and inquiries still remain valid in theyre eyes! This is extremely frustrating for me due to the fact that Ive done everything I can to cooperate with the bureaus in regards to this matter!
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

As you are aware, as stated in XXXX ID : XXXX, I am a victim of the XXXX XXXX with Equifax. I have notified Equifax of this matter and sent required statements, identification, and documentation for their XXXX to remedy this issue. The allotted XXXX days they had to block and delete this information has surpassed. I received notice from CFPB that the company received necessary documents on XX/XX/year> ; it is now XX/XX/year> and I have not received equitable relief as the identified fraudulent items are still being reported against my person. Please assist me in following up on this issue by enforcing the consumer reporting agency to block and DELETE these items from my consumer report. Once Equifax takes proper equitable action by completing my request, I would like an updated copy of my credit report sent to me via mail. Thank you.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

As you are aware, as stated in XXXX ID : XXXX, I am a victim of the XXXX XXXX with Equifax. I have notified Equifax of this matter and sent required statements, identification, and documentation for their XXXX to remedy this issue. The allotted XXXX XXXX  they had to block and delete this information has surpassed. I received notice from CFPB that the company received necessary documents on XX/XX/year> ; it is now XX/XX/year> and I have not received equitable relief as the identified fraudulent items are still being reported against my person. Please assist me in following up on this issue by enforcing the consumer reporting agency to block and DELETE these items from my consumer report. Once Equifax takes proper equitable action by completing my request, I would like an updated copy of my credit report sent to me via mail. Thank you.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX XXXX {$2800.00} DEPTEDXXXX XXXX {$3000.00} DPTED/XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$330.00}
Consumer complaint received 2024-02-09
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

I contacted XXXX XXXX due to the fact that there were several non-mailable addresses, phone numbers emails, several different names that did not apply to me And ask them to remove them from my credit report, as well as ask them for the third-party agencies that shared this information and violated the privacy act of 1974 XXXX XXXXXXXX did remove them from my account but would not share the third-party agencies as to. I am eligible for compensation at {$1000.00} per violation from this company and I am looking for my compensation. There was XXXX items removed from my account that I am owed compensation for as well as the physical and emotional distress. This has caused me from being denied due to these items, being on my account and impacting me and many different ways! I am looking to report these companies and also collect compensation due to this. I believe I am owed XXXX for the XXXX items and another {$8000.00} for emotional and physical distress for a total of {$27000.00} from XXXX. They have violated these statues and rights and violations of privacy information and I Opd out of this! As well as reporting payment history which is illegal and charge offs which is a certificate of inedebtness and is reported as income and is not reportableXXXX XXXX Equifax, and XXXX have all violated these laws and I would like compensation for that as well {$1000.00} per violation I am counting over 40 violations on my credit report, as well as a physical and emotional distress due to not getting fair credit they are all guilty for violating the privacy act of 1974 and many other federal laws and they have over XXXX inquiries on each creditors report that are illegal a well! 


Rights violated - Privacy act of 1974 Ucc 1681 Ucc 1692 15 usc 6802 -6805 16cfr 313 16 car 433.2 & 3 15usc1692
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LEXISNEXIS (TX)

A posted Judgment filed on XXXX in the amount {$1200.00} for apt XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX stated there was mix up due someone living with my same name. XXXX. Vendor info- LexisNexis XXXX XXXX XXXX XXXX XXXX ... I also called XXXX XXXX where case # XXXX XXXX Texas they said I needed to get with the apt complex. It was filed on XXXX. During all this time supposedly I lived there, I lived at XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST GUARANTY MORTGAGE CORP (OH)

We closed on our XXXX K renovation loan in late XXXX of 2017. First Guaranty Mortgage took over and would be responsible for dispersing the renovation draws to the contractor. The renovation process was to take 90 days. The contractor had been paid a substantial amount of money for work that was n't permitted, was n't completed, and was done poorly. First Guaranty released all these funds without confirming permits or identifying if work was done up to HUD standards. Also, First Guaranty allowed the contractor an extension past the 6 month FHA deadline without my approval. After finally firing the contractor there was an exit inspection scheduled by First Guaranty the results from this inspection determined that the contractor owed me {$27000.00}. Now I am expected to finish my project/renovation with {$27000.00} less in by draw budget. When I communicated my concern with the individuals handling my draws they said this XXXX I wish there was something more we could do. First Guaranty has offered zero support or assistance in helping me determine how to move forward with my project and often times take multiple days to answer e-mails of phone calls.
Consumer complaint received 2021-01-20
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: Experian Information Solutions Inc. (WI)

I disputed the following inaccurate account XXXX XXXX Account # XXXX Balance {$8400.00} on my Experian credit report at the beginning of XX/XX/2020. The inaccurate account was deleted from my Experian credit report on XX/XX/2020 The same account was then reinserted on my credit report on XX/XX/2020. 

From my understanding, Experian was required by law to provide a notice of reinsertion to me, the consumer within five business days of such reinsertion which I was never notified of. 

I am requesting that Experian permanently remove this inaccurate account from my credit report being that it is hindering me from applying for new credit