davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2015-04-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

I permanently opted out of receiving pre-approved offers in XX/XX/XXXX. I 've also had a state security freeze on my credit file. 
In spite of this, Equifax provided information about me to XXXX XXXX XXXX on XX/XX/XXXX and failed toprovide any permissible purpose. What they provide is general. When I informed Equifax about it through XXXX of theirattorneys, they supposedly deleted the inquiry as if it never happened. I also wrote to XXXX XXXX requesting reasonsfor the inquiry on XX/XX/XXXX and asked them to respond within XXXX days. As of today, they have have not responded. 

I did not conduct any business with XXXX XXXX and my security freeze should have prevented them from gettinginformation at all without my consent. It appears I can do absolutely nothing to keep prying eyes out of my creditinformation without a permissible purpose.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Esusu, Inc. (FL)

This is my second complaint on Esusu. 

From my First complaint submitted XX/XX/2023 Earlier in the year ( 2023 ) I got an email from the company that manages my apartment complex wed all be auto enrolled in Esusu a reporting entity which would report on our timely payment of rent. They sent instructions to opt out. I reached out three times. I was able to opt out the second call and ensured I had been removed from their system. Come XXXX their account came up on my report. I had been enrolled anyways and it impacted my credit both as a hard inquiry and my credit age. 

The issue now is they started reporting on my credit again as shown in my XXXX report. This supposedly after deleting all my information. I don't trust in Esusu 's competence to manage its users ( who where enrolled without their expressed consent ) and I'm desperately trying to ensure they delete my information and remove themselves from having any impact on my credit score. 

I want to be able to chose the financial services I use and not be forced into them and kept with them while they profit at my expense.
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

Equifax continuously reports accounts on my credit report that are n't accurate. XXXX XXXX XXXX XXXX has sent over information stating that the account should be deleted. They have also contacted the CFPB stating that the accounts will be removed from my credit report but Equifax continues to report it when it turns affect my credit report. I 'm not sure why Equifax continues to do this with my credit file. The next step will be to file a law suit against Equifax seeing as though they dont follow through correctly with my credit report.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I dispute XXXX XXXX XXXX account it was purchase from XXXX account # XXXX credit report show last payment XXXX. XXXX XXXX XXXX claim last payment XXXX, in reality last payment was XXXX. Because more than 7 years from last activities XXXX and XXXX after investigation remove XXXX account # XXXX and XXXX XXXX XXXX account # XXXX from report. Equifax remove only XXXX but refuse to remove XXXX. Please help.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IN)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2. states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-10
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. (TX)

I have disputed the inaccuracies on my credit reports ( Experian and XXXX ). When I requested that they show the validated that the bankruptcy was accurate the credit bureaus said that they did validate. I personally went the Federal Court where my bankruptcy was done and they wrote a statement saying that they don't validate any personal information to the credit bureaus. The credit bureaus allow these outside companies to lie and harm other people credit by stating that their information reporting is accurate which is not true.
Consumer complaint received 2017-08-14
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: Midwestern Health Management INC (MO)

Went to collection agency XXXX XXXX XXXX here in XXXX XXXX Missouri and spoke to the clerk and asked them for a report on my accounts, because there is 2 people 's unpaid credit on my individual credit report. These people happen to be family and they are medical accounts. I have nothing to do with their medical history or what they owe. They have their own insurance, which I am not listed anywhere on that policy for anything. I told them to have those reports removed and they said we are allowed to do that. I said you are certainly not then I asked for all the copies of accounts and they said no. This information went to credit bureaus and. Stopped me from getting my Business loan and has dramitacally effected my score. I never received any mail for this unfair reporting and against my rights. Please help me because I have already lost 3 accounts to their unfair practices and I need my equipment. I will follow up with lost revenue and what the law allows.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I sent in disputes regarding inaccurate account information almost two or three weeks ago, and did n't receive a response regarding inquiries or accounts that were removed from my credit report. I called Equifax and I was told that they were n't going to remove the inquiries that were n't authorized. I did n't receive any notification regarding the accounts that were disputed either.
Consumer complaint received 2015-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I have asked for Equifax to block fraudulent information and accounts from my credit file by filing XXXX online disputes and XXXX dispute by phone. Before submitting both online disputes, I made sure to attach my Identity Theft Affidavit that I printed from the Federal Trade Commission 's site and the Police Report that I filed with local law enforcement, outlining the fraudulent information and accounts. I also faxed all of the information to Equifax, with successful transmission, 9 times!
Consumer complaint received 2024-03-12
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

My apple credit card Goldman and Sachs ) I had a dispute for fans that I purchased from XXXX XXXX. I never received the fans and disputed the charges after attempts of contacting XXXX XXXX to resolve. The products were claimed to be delivered XX/XX/year> and the amount of the charge was for {$210.00}. The dispute keeps getting billed back after my credit card company claimed the packages were delivered and received. After XXXX years, it has not been resolved and Goldman and sachs ( apple card ) has decided to randomly close my account and provide me no access to my credit card account nor will the send a monthly bill. The want my monthly payment but without a bill or access to one, I am not paying a bill as I have no idea what is going on with this account and without the charges that where in dispute I shouldnt have a balance. I am ver frustrated because the are literally ruining my life and I dont know how to resolve but I am not paying for products that no one will show me proof that I have received which would be signature confirmation. Filing this complaint is my only option. I will gladly pay any amount I owe once this dispute is reversed including interest charges as well and once they reverse the negative ratings on my credit report as I had perfect credit before this and this has ruined my life. Please assist me.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the account information listed below that is currently reported on my credit report. I believe this account contains erroneous information and violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Creditor Name : LVNV Funding Account Number : XXXX Amount in Dispute : {$630.00} The primary issue with this account is as follows : Harassment and Unreasonable Communication : The debt collection company has repeatedly called me at unreasonable hours, specifically after XXXX PM. Additionally, I have experienced continuous harassment calls from this company, despite having enforced a cease communication request in accordance with the FDCPA. 

Enclosed with this letter, you will find documentation of the numerous missed calls from the same collector, demonstrating their violation of the FDCPA. This behavior has caused significant distress and inconvenience. 

Given these circumstances, I respectfully request the following : Immediate Removal of This Account : I ask that this account be removed from all credit bureaus to rectify the harassment and unreasonable communication violations. 

I appreciate your prompt attention to this matter and expect a resolution within XXXX days. Please inform me in writing of the outcome of your investigation. Should you need any further information or documentation, do not hesitate to contact me. 

Thank you for your time and assistance
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

My student loan debt collector is Mohela. I recently contacted them regarding my income driven plan and my recertification date. They initially informed me that my date was XX/XX/year>. When I informed them of the Department of Education announcement that borrowers whose recertification date was prior to XX/XX/year> would be pushed out a year, they told me my new date was going to be XX/XX/XXXX. On another part of the website, my recertification date is XX/XX/XXXX which is consistent with my recertification date from department of education loan information. 

My concern is that there are multiple recertification dates listed and when I speak to their representatives, they provide even more variability in the recertification date. According to my loan information from the database and from the Department of Education, my recertification date should be pushed back a year from the actual date which is XX/XX/XXXX. 

The lack of clarity regarding recertification dates leaves me questioning when I really need to recertify and if I miss one of their arbitrary dates, will they kick me off of my income driven plan in which case I will be ineligible for public service loan forgiveness for those months. 

I have also requested a refund for a month where my billing was inaccurate. They have promised a refund on multiple occasions but refused to provide any follow-up documentation and no refund has been processed or issued.
Consumer complaint received 2024-05-10
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: BARCLAYS BANK DELAWARE (TX)

Once I noticed unauthorized inquiries on my credit report, I notified the business and was informed that the information did not match my personal information and the business deemed it to be fraudulent and that the information was to be reported to all credit bureaus to confirm identity fraud.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company keeps trying to use fake numbers to contact me 8-10 times a day. I have asked them to stop calling me several times. They are calling about an ( almost ) 7 year old debt that i have no idea about. I even gave them a verbal " cease and desist ''. They  still have continued harassing me.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My student loans have been discharged by the Dept of Education XXXX. My credit reports are not reflecting even after being disputed. I have also been a victim of unfair medicare billing and no matter how much I dispute it the credit reporting agencies and not listening or investigating. I am asking for all student loans to be deleted and my credit score to be restored after the corrections made.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Please dont close this complaint down this is a real complaint made by me a human being. so i noticed some accounts on my credit that i did not sign up for and i called the creditors and they can not produce a contract with my signature on it and then i reached out to the credit bureaus and they did not remove the identity theft either. so now im doing this complaint with you guys to hopefully get things taken care of.
Consumer complaint received 2024-03-04
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. (TN)

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

.

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2022-02-03
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. (CA)

I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, XXXX, and Equifax.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation
Consumer complaint received 2022-07-20
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. (MI)

XXXX, EQUIFAX, And XXXX has multiple inquiries listed below reporting on my credit report without my acknowledgment. 
After a thrall investigating I found in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. POSTAL SVC FED & # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 2016-10-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (CA)

I have received several calls from Alliance One Collection Agency regarding a debt that is not mine. They have told me the name of the person they are trying to reach. I have told them that I do n't know that person. They assure me each time that I will not be contacted again. However, they continue to call me.
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (NY)

Alliance 1 collection agency regarding ezpass tolls they are charging me $ XXXXThe original amount due was {$550.00} which I paid in full on my XXXX card. I wrote a dispute letter but I plead my case to them I think it 's outrageous that they want to charge {$3000.00} in fees and interest this was an old debt from 2012 please help me with this matter I think this is not legal thank you