davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

There are two issues. 
1 ) XXXX included my HELOC account with the credit card utilization rate, which is incorrect. This occurred approximately one year ago and took three months to get corrected. Recently, XXXX began to include the HELOC once again. I was unable to dispute, since I had previously disputed, but was able to upload again a copy of the HELOC Contract where is specifically states HELOC. XXXX decreased my credit score XXXX XXXX due to their error. I finally was able to speak with someone on the phone following several attempts and hours spent. This person was reading from a script and when I inquired if she understood what HELOC account was, she replied that she was reviewing my file and did not see a vendor named HELOC that I had an account. Then she proceeded to inform me that the multiple credit inquiries for a home mortgage were counted as one, again reading from a script. I informed her that is not the case, it should be, but is not. She apparently laid down the phone receiver/headset without any warning. I waiting and called her name several times and after fifteen minutes, I disconnected the call. 
2 ) Issues is related to multiple home mortgage inquiries, mentioned above, being counted separately rather than as one. 

Both the HELOC and multiple inquiries are spelled out as to how they are managed by XXXX, but they do not manage as stated. I have asked multiple times, if it would be easier to correct, if I provided them exactly where XXXX outlines the proper method of managing a HELOC balance and multiple inquiries and each time informed no. 

XXXX informs you that there is a process to manage certain accounts, but they fail to manage according to their own process. I have worked diligently during the past 20 years to maintain a stellar credit score and with two opportunities, XXXX has substantially impacted my credit score. XXXX takes swift action to penalize you credit score, as mentioned above by decreasing XXXX XXXX, but the increase takes months to get back to the original score. 

The IVR system set up at XXXX is only in place to prevent speaking with someone live. Only an obstacle and not for assistance.
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (GA)

XX/XX/XXXX - I called Capital Accounts regarding item on my credit report that reflects derogatory from XXXX XXXX. This company began calling me on XX/XX/XXXX regarding this debt and I advised them I do not owe the debt. I requested they provide me proof. They refused to acknowledge the dispute verbally and advised me to send the request in writing. This company has called me repeatedly using an automated dialing system and at which time I advised them I did not provide them permission to call my cellphone for any reason, I am billed for these calls. Each time they call I demand they cease contact attempts by phone. Even during the COVID-19 pandemic they continue to call regarding this debt and I have advised I refuse to make payment. I have been hung up on, yelled at, talked over, belittled and harassed by at least 20 employees at this company. Most recently on XXXX I advised I want proof of the debt and the agent told me already provided it and hung up.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX has violated terms of service in award of MR points for the XXXX Platinum card. Points awarded on the card were frozen without notice, XXXX reps are unable to elaborate why, or provide a timeline for unfreezing. Point value frozen on the account is over XXXX $
Consumer complaint received 2024-02-08
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)

On XX/XX/2023, I looked at my credit report and noticed information that was inaccurate so i sent out a letter to the company for validation of the information concerning 3 accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 45 days has passed and no response from the company, nor did they delete the harmful information being reported and causing me financial harm. I looked at my report and noticed everything was still the same and according to 15 USC 1681 ( I ) ( 5 ) THEY are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15USC 1681 ( E ) ( B ) they are supposed to ensure this ( B ) Accuracy of report. 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 and according to 15 USC 1681 ( S ) ( 2 ) this is supposed to happen ( A ) Reporting information with actual knowledge of errors, A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate I am the consumer and the person to whom this information relates and I am informing Equifax of these inaccuracies so they may be deleted promptly! XXXX XXXX XXXX failed to respond and send the information i requested to prove i owe a debt!
Consumer complaint received 2024-02-08
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. (MI)

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 2017-01-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland is falsely reporting to the credit bureaus I owe them money and reporting false account activity dates to keep the information active on my credit report. The original debt was with XXXX Bank and closed in late 2008. I have disputed with the XXXX credit bureaus and Midland falsely confirmed the data as accurate. 
Midland has a very well established track record with fines from state and government agencies for doing this exact thing
Consumer complaint received 2024-02-08
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (GA)

Got an alert from XXXX XXXX changes of changes to my credit report on XX/XX/2024, pulled my reports from MyFico. 
I called Equifax and asked for fraud department and was told I needed a FTC or police report and needed to send copy of Identification, ( DL ) and copy of Social Security Card and either a current bill or bank statement.
Consumer complaint received 2024-02-08
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. (NJ)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-02-08
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)

I have reviewed my consumer report, and I noticed I had two late payments on an account. I was never late, for the consumer reporting agency has assumed a vital role and has a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I Included is a screenshot inside of this complaint on dates of XX/XX/2023 and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand that these payments be updated to be paid as agreed on time as they should be due to the fact that I was never late.
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Hello, hope you're doing great! I'm reaching out about a scam through XXXX a couple of weeks ago. 

My wife was scammed to transfer {$300.00} which she sent through the XXXX XXXX. 

We called Chase ASAP and they said that they money was as good as sent without even making an attempt to see the bank the money was sent to. We have the name ( or username ) of the person - still they said nothing could be done. 

We have evidence that this was a scam that can be shared.
Consumer complaint received 2016-03-19
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: IQOR US INC (AZ)

I am in rehab for the entire amount of my federal student loans with a collection agency. Another collection agency has garnished my wages. I am not sure if they are included in the rehab or not, but Allied is unwilling to work with me to eliminate the garnishment. They say I must pay an additional amount, every month, in addition to the garnishment and what I am paying on my rehab if I want any relief. I know some relief must be available other than further XXXX my finances, but they have been rude and unwilling to work with me.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/2024 Letter to remove inaccurate Credit Information To whom it may concern : I see this account has a charge off report on the following item. 
XXXX XXXX Credit Card # ( XXXX ) This account is reported as A charge off and I have Never received a 1099c cancellation of debt form. Due that this account is inaccurate and needs to be removed. 
Also According to a to LAW 15 U.S. Codes 1681s2 ( a ) ( 1 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account should be removed now this Account is reported ASAP. 
Once finished
Consumer complaint received 2016-08-15
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Automatic Data Processing, Inc. (FL)

I purchased XXXX items from XXXX for the amount of XXXX and XXXX as a result, the XXXX was for car parts which i was missing some parts which were XXXX and the shoes were for XXXX which were defective i opened up a dispute with the merchant it was denied i opened up the dispute with my bank adp as a result im very upset and un happy with the outcome im just asking for my refund which clearly no one is willing to do so! Adp should be embarrassed and ashamed to do their customers this way! Its a big mess with these XXXX transactions ive been giving the run around for a month straight lie after lie
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Balance transfer fee — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I called my bank -Union Bank XXXX ask if they do 0 % Fees and charges for 12 months on balance transfers to my new credit card and they said yes. XXXX if they had said no I would not have gotten the card nor initiated the balance transfer in the first place. ) Because they said there would be no charges I initiated a balance transfer from my XXXX visa card in the amount of {$45000.00}. The transfer completed XXXX weeks later and I discovered a 5 % balance transfer fee in the amount of {$2200.00}. They never notified me that I would be charged this nor any amount. I 'd like the balance transfer fee removed as I would not have initiated it in the first place had I been notified about it. I went through my statements and found no information on any balance transfer fees.
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  | XX/XX/2022 : Account number : N/A, This inquiry is unauthorized. Please DELETE!
Consumer complaint received 2022-10-04
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. (TN)

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. 
Account name : XXXX # XXXX, Account name 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 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 than records of convictions of crimes which antedates the report by more than 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.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to complaint the following information that XXXX XXXX XXXX XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to Account ( XXXX opened XXXX XXXX ) that I previously had with XXXX. 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX in reference to this account that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX XXXX  and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2020-05-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CA)

EdFinancial Account number XXXX has been paid off since XX/XX/2020. They are in VIOLATION as the  balance has yet to be updated on my credit report. They are still reporting a balance of {$550.00} as of my report pulled on XX/XX/2020. This account reporting on my credit is preventing me from getting the credit rating I deserve. I DEMAND that this account be DELETED right away. I am attaching my bank statement, confirmation letter that the account was settled and copy of my credit report.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC. (CA)

The details of my complaint can be found in the XXXX attachments. I am not very good with the internet so please let me know if my attachment process has failed XXXX XXXX XXXX XXXX XXXXXXXXXXXX ). 

We were referred to XXXX dba New American Funding by my broker XXXX XXXX of XXXX XXXX, Wa. XXXX XXXX XXXX XXXX reviewed all our information and qualified us for the purchase of a {$400000.00} house this XXXX and issued a guaranteed lock in XXXX XXXX with a close on XXXX XXXX. 9 days later XXXX XXXX admitted to her negligence and, instead of resolving her negligence legally, began a process of bait and switch. As of this writing, it appears that XXXX XXXX will default on her committment, causing us to lose the property.
Consumer complaint received 2024-02-08
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. (GA)

In accordance with the Fair Credit Reporting act. XXXX & XXXX and XXXX XXXX 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 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 than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.