davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

RE : XXXX  XXXX XXXX  # XXXX XXXX  XXXX  Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Consumer complaint received 2022-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


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 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 2022-06-21
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. (CA)

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. XXXX  XXXX, XXXX XXXXXXXX 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
Consumer complaint received 2022-06-21
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. (IL)

I received a copy of my credit report and around XX/XX/XXXX I asked for an investigation on my consumer report it came it came back on XX/XX/XXXX with some of the accounts deleted but XXXX XXXX  was still present it did not have my original contract dates it did not have my original balance it did not have my payment history and it had been sold to a dead buyer this account appears twice on my XXXX account with XXXX XXXX XXXX and also XXXX  the account number is XXXX I have not received any written authorization to disclose my credit file the opening date is not accurate the last active is not accurate please delete this account so violated my rights to 15 USC 1681 section 604a section 2 the law clearly states a consumer report agency can not furnish an account without my written instruction also 15 USC 1681i section 61158 l I I it states that items are found inaccurate or can not be verified the consumer reporting shall be promptly deleted and the information from the file of the consumer
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESSES : 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 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 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
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

Sent AARGON AGENCY INC. ( DEBT COLLECTOR ) Multiple Certified mail letters asking to them to Verify and Validate this allege debt they said i own them, But clearly they disregarded all my letters i sent them so they clearly violated my rights as a Consumer and the fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE & 15 U.S.C 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XXXX, XXXX, I ask Equifax to INVESTIGATE my consumer report for the inquiries that I did not give written permission for any company to obtain. I have the results for two investigations that were done. One dated XX/XX/2022, with the confirmation # XXXX.The inquiries that I ask them to investigate were removed. XX/XX/XXXX & XX/XX/XXXX, XXXX consumer file # XXXX & # XXXX, I got a copy of my consumer reports with the inquires still being listed. I ask them to reinvestigate. I sent documentation, including an FTC report, and ID through CFPB, along with my rights as a consumer, and some of the laws to were being violated. XXXX, I received a copy of my consumer report with no changes- consumer file # XXXX, and the results from CFPB stating that Equifax did not remove the inquiries I ask them to reinvestigate. 
My rights as a consumer has been violated. I have the right to privacy. I did not give the company ANY written permission to obtain my credit report. As I stated in my last complaint, 15 USC 1681 section 602A, 15 USC 1681 section 604A section 2, 15 USCs-2 ( A ) ( 1 ), 15 USC 1681a ( e ) states that the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends, or associates of the consumer being reported on or with other with whom he is acquainted or who may have knowledge concerning any such item or information, however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I made a mortgage payment of {$1200.00} on XX/XX/22 through my bill pay like I've been doing for years only now it's going to Mr Cooper instead of XXXX XXXX I was told by a Mr Cooper employee to not make the payment until that date, so I promptly made the payment on that date. The next day I noticed that the payment would not post until XX/XX/22 which would make it 1 day late. I have not been late on any payments to anyone in the last XXXX years so that didn't sit well with me already. After calling Mr Cooper, I was told they're allowing a 60-day grace period on any payments from the XXXXXXXX XXXX transferred accounts. Then the money was deducted from my bank account on XX/XX/22 ( upload below ) but was never posted to my loan until XX/XX/22 ( upload below ) and when I called to address the issue I was asked if I wanted to bring my account current by the customer service woman. Even though they're claiming they're offering a 60-day grace period at {$21.00} a day of interest on the loan, that equates to an additional {$170.00} of interest that's now been charged to my loan balance. I was also told by my bank that the delay of the electronic BillPay was because Mr Cooper specifically requested a check be mailed instead of accepting the electronic Billpay payment they claim they accept on their website.
Consumer complaint received 2019-11-25
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. (SC)

XX/XX/2018 XXXX  I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Consumer complaint received 2019-07-16
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. (NY)

I'm trying to get a copy of my equifax report and they can not and will not give it to me without sending a written letter ... they validated my identity but still tried to get me to go to a service for monitoring to get my free report
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

This is a formal complaint against Wells Fargo Card Services. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never authorized this account to be put on my credit report. Attached below are supporting documents. A letter was sent to the company requesting for the validation of the alleged debt and also a confirmation of arrival via USPS certified mail.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Upon checking my credit report I have noticed some addresses that do not belong to me. 
I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit 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
Consumer complaint received 2019-12-05
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. (NY)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

Recently opened a care credit account with Synchrony Bank, and they locked my account where I am not able to use it for my urgent XXXX procedure. I contacted the bank, and theyre requiring me to MAIL a copy of my state id and utility bill or full bank statement for them to unlock my account, which I never used, a process which will take approximately 30 days. I inquired if there was a more secure and timely manner in which I can resolve this, such as uploading the requested documents on a secure site, as I am not comfortable with mailing such information, they said no, and could not provide me with a valid reason why my account was locked, other then security purposes. I am not left to suffer with my XXXX needs because of their ineffective and careless business practice for a medical based card.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/2022 a credit card payment was charge to my XXXX XXXX XXXX account for my Capital One card. I was charged a return fee of XXXX. My issue is not just the fee. I have NEVER authorized Capital One to charge my savings account and Capital One DID receive their payment it was not returned. Their IVR even states the payment was received and no additional payment is due. 

I tried to call Capital one to rectify the situation as well as XXXX XXXX. XXXX XXXX gave me the trace number and told me it was coded as Savings. Capital One states it was checking. When I called Capital One I gave my Fiance permission to speak on my behalf and she asked to speak with a supervisor who was INCREDIBLY rude and inefficient. She actually hung up on us. I want the fee back and I want Capital One to credit my account for the bank charging the fee.
Consumer complaint received 2022-06-20
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. (GA)

n accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-06-20
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. (SC)

In accordance with the Fair Credit Reporting act, 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 and XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc. (CA)

On XX/XX/2022 I dropped classes from my school XXXX XXXX and they sent over information regarding my refund to Climb, the lender handling my loan. I have tried multiple times to contact Climb because my loan balance has not been updated and it's coming up on two months now ( ll the while I'm being charged interest on the full balance before the refund ) since the initial refund request was requested. I tried calling but when you call the number on the Climb 's website the IVR tells you to email and then disconnects the call. I emailed them several times and I keep getting a canned response saying the refund is " in process ''. I am not sure why it would take over two months to process a refund. I just want my account to reflect the correct amount owed.
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

I received a collection letter from XXXX in reference to paypal account from Synchrony bank paypal that went delinquent. I do have credit accounts with synchrony bank but they are all in good standing. I checked my credit report with XXXX, XXXX, XXXX. 

I don't have a synchrony paypal credit card. Synchrony bank would have been reporting to the bureaus. XXXX XXXX acquired statements from the alleged paypal account with my name and 2 different mailing address, from the years XXXX, XXXX. 

If I would have opened paypal account with synchrony. I would not allow it to go delinquent. I would like this investigated because the last 4 digits in the account number end in XXXX. 

In the validation letter that I received there are 2 different mailing addresses and account number ending in XXXX.
Consumer complaint received 2022-08-03
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. (MS)

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

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have filed several complaints with XXXX, Transunion & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I purchased a new car that was financed through Kia Finance. I intended to pay cash, but the Kia dealer convinced me that I could get a lower price on the car by financing it, because the dealership gets a benefit. So, I financed the car through Kia Finance. Then, I proceeded to pay off the car by submitting the full payoff amount, which was stated by Kia Finance as {$43000.00}. The payment could not be submitted in full, because the upper limit was {$25000.00}. Consequently I submitted the payoff in XXXX payments ; XXXX for XXXX and another for XXXX. The payments were submitted on XXXX XXXX, and recorded on my bank account on the XXXX for XXXX, and the XXXX for XXXX. 
I am a retiree, and this money is from our savings. Every dollar is important. Despite the fact I paid the loan in full by the time the payoff amount was valid, Kia still shows a balance of {$1000.00}. I have spoken to them about this 3 times. The first time, the clerk acknowledged that I had paid in full by the time required, and promised to get it taken care of. I have the conversation recorded. After 2 or 3 weeks, the balance is still there. I called about it today, and the clerk argued about this with me and eventually hung up on me. I called again, and asked for a supervisor. The supervisor named XXXX, again acknowledged the account was paid in full by the payoff amount date, and said he will submit a request to clear the account. In fact, XXXX informed me I had paid an excess of {$9.00}. 
It is unthinkable that a credit institution of this caliber would continue to make gross errors of this kind and not endeavor to correct them. At this point I have no faith that they will correct this and will continue to demand an excess of over {$1000.00} to get my title cleared and the account cleared. 
Please assist us with this travesty of credit handling. I feel I am fighting a giant hiding behind a bunch of questionably qualified clerks with little power to do anything for the customer. 
Thank you for your attention to this issue.