davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (NC)

I have responded several times to try and get Equifax to remove several inquiries that are not mine since last year and have yet to receive any response at all. I also asked to be removed from monthly credit monitoring and am not sure this has been done as of yet. 

I should have XXXX inquires on my credit report yet all these are listed XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX I wish to have them removed and stop billing me for monthly services. 

XXXX XXXX XXXX XXXX nc XXXX XXXX
Consumer complaint received 2022-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: OneMain Finance Corporation (FL)

I requested a {$50000.00} line of credit. The header I got was {$50000.00}. Then when I clicked to review the loan amounts were much lower and one required collateral.

False advertising and I can not unsubscribe to their constant emails. Click on unsubscribe and then it takes you to a website without the ability to submit. 

I have screenshots I can forward.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

On XX/XX/XXXX, I was advised by Discover that a payment was not received. The payment cleared in my bank, I filed a dispute and sent supporting documentation to advise of payment. 
On XX/XX/XXXX, I was sent a letter advising that the issue has been resolved and I would be receiving the payment credit with interest. I received the credit and then on XX/XX/XXXX, they took the credit back. I was advised that they never received supporting documentation which is contrary to the letter I received on XX/XX/XXXX. 
I have spent countless hours on the phone and on chats trying to resolve this issue to no avail..I am left with no choice but to report it to here for assistance
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2022-08-14
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. (SC)

equifax is still falsely changing peoples scores. i just had a complaint with them about my score going down XXXX points. the balance on one of my cards decreased by {$1.00} yep XXXX XXXX & my score plummeted XXXX XXXX, The government needs to end equifax
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

Irs public Lein removed off XXXX but not off Eqifax n a car loan paid and closed in XX/XX/XXXX Also XX/XX/XXXX a {$3700.00} bill not mine handled in divorce XX/XX/XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Any time I apply for any type of credit card I am always told I have insufficient activity and I am denied So their for I have never been able to get one When looking at purchasing a home with my husband of 25 plus years they said I had no history, but I purchased a vehicle, and to apply with card company that helps to establish credit, I WAS DENIED BY 5 card companies and still havent received any reason as to why
Consumer complaint received 2020-11-06
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. (CA)

XXXX XXXX refused to provide me their MOV ( Method of Verification ) for three derogatory items listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ''
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine XXXX $ XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2024-02-09
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. (TX)

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-08-14
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. (CA)

I have contacted Experian about inaccurate information on my credit report due to fraud and identity theft on numerous occasions on XXXX, XXXX, and on XXXX to remove inaccurate information from my credit report because it is a result of identity theft. Experian try told me that the information is fractured.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2017-01-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the evening of XXXX XXXX, 2017 I went to the Bank of America 's Teller Assisted drive up window at XXXX XXXX, FL to cash a check. But when I placed the check into the machine it got lost, so the video teller started a claim dispute process and told me it could take up to 45 days. 

In the following days I called the telephone number he provided to inquire if anyone had even looked for my check outside in the ATM machine. But the only response I ever got from the Bank of America was that its investigation was underway. Later, I received a letter indicating the bank would issue a temporary credit line for the amount of the check while it conducted its research. Then after a week, I received a response from the bank stating, 'We have concluded our investigation and determined an error did occur ' and that 'The temporary credit for the amount is now a permanent credit, thus closing this dispute '. 

When I gave my check to the Bank of America I expected to promptly receive cash or have my check returned to me upon request. I had the right to know the whereabouts of my check and the bank had an obligation to locate it in a timely manner. It took the Bank of America over a week to cash a simple check and never admitted any wrongdoing on its part or apologized for its error. Instead, the bank slapped me with credit and treated my concerns as unimportant.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

The reply from Equifax WAS NOT the CORRECT RESPONSE from my complaint XXXX. 

1 ) The issue complaint Equifax to remove XXXX from my credit reporting just like Equifax removed other creditors from my bankruptcy Chapter XXXX. 
2 ) I did not had to contact my other creditors to have items removed from my bankruptcy, however, Equifax did removed other creditors that was associated with my bankruptcy. 
3 ) Equifax refusal to correct this problem is a clear action on their part of unfair credit rating with discrimination damaging my credit rating. 
4 ) Equifax refuse to reply with the correct response also clearly is action that they do not want to correct the issue with my credit rating. 

( see attachment : cover up other creditors to prevent Equifax from adding back other creditors on my credit report or committing another unfair action against my credit report ) Thank you XXXX XXXX
Consumer complaint received 2020-07-05
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: CMRE Financial Services, Inc. (OH)

Im XXXX year old plus senior citizen and retired and I get my medical financial assistance from XXXX and I am not aware or this is a very old information which has been all covered. Kindly remove this from my XXXX  report. Appreciate it and Im very old to handle with these companies and stuff which has been taken care of a while ago.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX acct XXXX, has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of conviction of crimes which antedates the reports by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 15 U.S.C 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I just got a credit card bill the week of XX/XX/2022 and noticed that my credit score had dropped precipitously from the XXXX down to XXXX. I checked the credit reports and saw that XXXX XXXX Credit Card is marking my disputed {$430.00} in interest an non-payment. THEY HAVE NO RIGHT TO MARK ME AS DELINQUESNT WHEN I AM WORKING ON A DISPUTE WITH YOU. They must reverse this immediately. The CFPB is supposed to be a safe space when big corporations are taking advantage of consumers. This is yet another way XXXX XXXX is hurting its retail customers. They are unbelievable.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent dispute letters to all three bureaus. My XXXX and Experian report is not reporting accurate information like XXXX. It is showing a collection XXXX not removed/deleted from XXXX and Experian but is showing removed from XXXX. It is also showing different statuses. Experian states " collection account. {$350.00} past due as of XX/XX/2024. '' with 3 late payment derogatory marks and XXXX is showing " unpaid '' with no late payment history. XXXX has removed this account. I have documents and proof attached showing what I have stated is accurate. 

15 U.S. Code 1681e ( b ) states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX Ive obtain my credit report and notice numerous inquiries and an account thats on my credit file that i didnt apply for ACCOUNT : XXXX XXXX Account Number XXXX. I also contacted the credit bureaus about this matter which is affecting my credit worthiness.
Consumer complaint received 2020-11-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report with has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IL)

I have been enrolled in student loan autopay with Aidvantage since student loan repayments started in XX/XX/XXXX. I did not and still have not received the 0.25 % interest rate deduction due to being enrolled in autopay. I have had several chats and emails with Aidvantage and the interest rate deduction has still not been applied. 

XX/XX/XXXX email response from previous request : Customer service says that only one of my loans is enrolled in autopay even though I had enrolled all of my loans in autopay. They also say that the interest rate deduction will be applied when the loans are back in repayment. The loans are back in repayment and the interest rate deduction has still not been applied. 

XX/XX/XXXX online chat : Customer service says that the interest rate deduction will be applied during the next autopayment. This has not happened. 

XX/XX/XXXX email response from previous request : Customer service says that I should get an interest rate deduction when the loans are in repayment. The loans have been in repayment since XX/XX/XXXX and I have still not received the interest rate deduction. 

XX/XX/XXXX online chat : Customer service says that they are putting in a request for the autopay interest rate deduction to be applied. They say that this will be completed by XX/XX/XXXX. This has not happened. 

XX/XX/XXXX email response from previous request : Customer service says that they are still working on the interest rate deduction request. It has been since XX/XX/XXXX and I still have not received the interest rate deduction due to being enrolled in autopay. 

Email
Consumer complaint received 2020-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PINNACLE FINANCIAL PARTNERS, INC. (NC)

I made my normally scheduled payment in the month of XXXX. I received a call from Pinnacle Financial Partners on XX/XX/2020 stating that I was late for my XXXX payment. While on the phone with the collections representative, I reviewed my bank account for activity. I confirmed the date of when my payment was received. The representative then informed my that my escrow payment had changed. The represent reviewed my account, and advised that a letter was sent to me on XX/XX/XXXX. I advised the representative that I didnt receive the letter, and asked her to review my account for a record of perfect payment history, as well as issues in the past of not receiving communications from Pinnacle Financial Partners ; she confirmed this information. I have no problem making the new payment, my issue with Pinnacle Family Partnership is that they are giving no leeway for reporting a late payment given my perfect payment history, the proven history ( via returned mail per USPS ) of not receiving their communication and numerous calls of complaints from me, and the fact it was the first month of the newly scheduled payment. One mailed letter informing a client of a new payment seems to be a deficiency of effort. The month of a newly scheduled payment should be given more scrutiny, and when someone sends the old scheduled payment amount, efforts of quicker communication with the client about a payment shortage should be made.