davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

XXXX XXXX will not give you free report. They take you to a page asking For credit card information and tell you it cost {$24.00} to get your credit report. Then if you scroll backwards it takes you to another page that says its {$9.00}. After spending XXXX minutes filling out all this information and going back-and-forth you still do not get a credit report
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

I have been scammed. I am a college graduate looking for a new job on the job search engine named XXXX. 
I received an email confirming to a position I applied for as an XXXX XXXX. 
I, at the time did not look far into it. I was told that my job would consist of XXXX XXXX. Within a couple of days, I received a check under my name with the instructions to deposit and let the employer know when the funds would be available. The first check, was made to be of {$3800.00}. I deposited it on Chase 's ATM inside the bank on XX/XX/2018. The funds on the receipt stated it was going to be available on XX/XX/2018. When XX/XX/2018 came, the funds were available to use. I told my " employer '' that the funds were available. The first transaction I did, was a XXXX to XXXX transfer to another individual of {$2500.00}. The second transaction was XXXX Gift Cards ( fifteen ) the amount of each {$100.00} which came out to be {$1500.00} in total. 

On XX/XX/2018 my " employer '' says that I would be receiving {$4800.00}. When I deposited the check it said that the funds would be available on XX/XX/2018. On XX/XX/2018. I received an alert on the chase bank app. When I called Chase tells me that my account has been put under restriction due to the check of {$4800.00} being a fraud. Chase customer service explains that it would be sent back to the bank/ account where it came from. I asked why was the second check alerted and not the first one and they had no concrete answer. I asked what will happen once the checks are returned and Chase mentioned that I will have to repay what I used which was the first check that was available on the XX/XX/XXXX. I must have called Chase bank more than three times and there was no help or sympathy towards the situation all they kept mentioning was that after both checks were returned I had 7-10 days to return the money or else my account will be closed.

I would like you ( whoever is reading ) to keep in mind that I have denied permission for Chase to front any transactions if the funds are not already available.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX XXXX, fully authorize this investigation. Last week I thought I saw an unauthorized account on my credit report which would be XXXX XXXX and a collection. Please forgive me I mistakenly thought it was unauthorized but I fully have verified that the account is accurate.
Consumer complaint received 2018-04-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services (FL)

I've been struggling to make payments for decades, exhausted all hardships and deferments and income-based calculation that Ed Financial comes up with are way too high. Last year I was making just over $ 20/hr and my payment was $ XXXX/mo, this year I'm at $ XXXX/hr and they are quoting me over $ 300/mo. This payment suck into the monthly reserves and forces me to abandon by 401k deferment entirely. I'm XXXX-years-old, married and the father of XXXX small children. Ed Financial has been less than helpful and in most cases rude and antagonistic on the phone. Seems like they have no solutions, only. bad news and keep saying " there is nothing we can do. '' My wife and I have considered leaving the US for XXXX, turning our back on the loan to start life anew. How sad it is that a man who has spent his entire life in the service of others ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX in the XXXX and finally XXXX XXXX ) has to actually consider leaving his country of birth with his family in order to escape the burden of this debt. The fact is that - in my lifetime - I will never be able to pay off this loan. My family can't take a vacation or even dream about home ownership because carrying this loan is like a mortgage unto itself. Doubtful that anyone other than another in my situation will care to read or champion for me and my family, but here it is just the same. 

Sincerely, XXXX
Consumer complaint received 2021-11-22
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. (NC)

this message is for XXXX and Equifax. this is nothing against the two companies. i had a couple of debts with XXXX in the past. they turned the debt over to a collections agency i am assuming in XXXX i got calls from different collections agencies saying they have taken over the debt. one with was XXXX XXXX XXXX XXXX and another company calling from XXXX but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to XXXX  turned over to them on the XXXX then she said the XXXX of nov. so which is it? i have no clue. i think XXXX is trying to get money from me by any means necessary. i reported the XXXX company already. now im reporting XXXX again for the millioneth time about this stuff.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

I called this company early XXXX to send me a verification letter when I saw a debt on my credit report. I was met with disrespect and threats. I was also getting calls all day long every day. XX/XX/2021 I sent a letter by certified mail asking for a verification letter and for them to only communicate through written correspondence. Their calls continued and debt was briefly removed and then re-added to my credit reports and I have yet to receive verification. The Fair Debt Collection Practices Act states that it is my right to have a debt that can not be verified within 30 days removed. It is long past the 30 days and this is damaging to my credit.
Consumer complaint received 2021-11-25
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following identity theft : XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX  For XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX CREDIT
Consumer complaint received 2022-08-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (UT)

I requested my file disclosure from LEXISNEXIS RISK SOLUTIONS ( LNRS ) on XX/XX/2022 through the CFPB and they sent an email to me through their consumer center but misspelled my name and my email thought it was an unsafe email and put it into spam. I didn't notice the email until the CFPB notified me on XX/XX/2022 that LNRS told me they contacted me through email on XX/XX/2022 and that I didn't answer so they closed the case. LNRS suggested I go directly to them to make my request but I don't feel safe or trust that their actions are done in good faith. In the email I received they already broke federal law by asking me for my SSN and asking me for other private information that has nothing to do with verifying my identity. I want them to take their grave responsibility as a CRA seriously.
Consumer complaint received 2021-11-22
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: I.C. System, Inc. (VA)

XX/XX/XXXX I sent a letter to the 3 major bureaus outlining inaccurate and unverified accounts on my report. It is almost 60 days later and I have not received remedy. The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be deleted from my credit report. IC  systems is in violation of consumer rights and reporting false information on public consumer reports.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

Good afternoon, I am in the middle of refinancing my home. It was brought to my attention that Ally financial is reporting a debt due on my credit report from on or around 2014. I have disputed this in the past. On Monday, XX/XX/XXXX I called Ally financial directly and was told that the account was paid in full and that there was a XXXX balance. This lines up with my accounting. I asked that they please send me a paid in full letter via fax. Ally financial said that they would however never did. I called back last Thursday and was transferred to about XXXX different people so Im telling me it was paid in full sun telling me it was sold to another company so Im telling me that there was a balance so Im telling me they had no idea what I was talking about. My account with Ally financial was paid in full and was always in good standing. Yep they continue to report an accurate information over and over on my credit report
Consumer complaint received 2019-04-11
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. (PA)

Equifax Confirmation # XXXX I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. 

Thank you
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

Care Credit A.K.A.Synchrony Bank is scamming its customers. If like so many others due to Covid we became late on our payments. We have been trying to get caught up. Care Credit A.K.A. Synchrony Bank is making it impossible to catch up or pay off this debt. 
We have been trying to make payments as agreed to catch up. But Care Credit is charging more in fees and charges each month than what our payment is and accruing more interest than the payment is. Making it impossible to pay off the debt. 
We have asked by phone several times for payment arrangements to stop the interest and pay off this debt. But Care Credit A.K.A. Synchrony Bank refuses to cooperate or allow us to catch up on payments or pay off the debt. 
The charges and increasing interest on this account will never allow us to catch up or pay off this debt. This company scams people by not allowing them to ever pay off the debt. 
Their actions should be illegal to trap consumers in a credit card debt that can never be paid off and not from the consumer 's lack of trying but from the companies greed and inconsideration.
Consumer complaint received 2021-03-19
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. (TN)

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 Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It 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 Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-04-11
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 (IL)

I have a dispute that Discover have not resolved. A partial amount was credited back to my account in the amount of {$380.00} from the merchant. This is only XXXX out of a XXXX dispute that was in favor of the Merchant by Discover back in XX/XX/XXXX. I did not authorize this refund for half of the amount of my XXXX when my secondary insurance was never billed by the provider. I rightfully do not owe any money to this provider with two covered insurance policies. My claims are currently under investigation with my insurance provider 's, and I do not owe anything to this provider as I was told meaning the {$750.00}. 

I was also told that my refund will be in the form of a check by the provider. However a Partial refund of {$380.00} was put on my discover account without my consent. I requested for Discover to return the funds back to the merchant because I was told my funds will be in a form of a check, and that's what I want. I do not want this provider to have anymore access to my Discover credit card. Discover has refused my request. Please see attachments.
Consumer complaint received 2021-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. These fraudulent inquiries still remain despite my submission of supporting documents. The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MI)

Letter was sent to L J Ross in XXXX about collecting on a debt. In the letter it stated for them to send me any information for : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
They sent a letter back with none of this infformation. The sent an account statement from the origial debtor XXXX XXXX. None of the information above was sent.
Consumer complaint received 2019-04-11
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. (GA)

I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency have reported them verified and accurate when clearly they are not Also your agency  has failed to state that XXXX purchased this account from XXXX as previous account
Consumer complaint received 2021-03-19
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 I am very upset having to do this for the second time. I sent a letter letter regarding inaccurate information on my credit report which resulted in my credit score dropping 134 points and still till this day 45 days later I have still yet to hear from the credit bruros. I know my rights the credit bruros have 30 days to reply or delete the invalid information.
Consumer complaint received 2019-04-11
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. (CA)

I have two major credit cards, XXXX XXXX and XXXX XXXX, in excellent standings and XXXX credit reporting is not reporting the credit on my report. I contacted one of the companies and they stated in a complaint resolution that they report to all three credit reporting companies I filed a complaint with XXXX, and they sent me an email stating that they had a resolution, after trying multipal times I was not allowed to sign in to check the status of the resolution. I was sent four password changes and none of them worked, this is keeping my credit score far below what it should be, they are stating that I have no credit at all. 
This company is also reporting a tax lien on my report that has been disputed and resolved in my favor which is doing major damage as well. 
my hands are tied and I can not move forward with projects and business ventures please help.
Consumer complaint received 2022-08-11
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: WELLS FARGO & COMPANY (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : WELLS FARGO CARD SER XXXX
Consumer complaint received 2022-10-26
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: Affirm Holdings, Inc (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY UNDER 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH ANY ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS UNDER15USC1666B A CREDITORMAY NOT TREAT A PAYMENT, CREDIT CARD UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (FL)

Remove the attached XXXX XXXX credit pull from all three of my credit bureau reports. As you can see in the attached document, XXXX XXXX was not authorized to pull my credit.