davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Letter of Complaint : Refuse to Validate Debt Beginning in XXXX, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Trans Union, XXXX, or XXXX has not responded, or updated the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Trans Union, XXXX, and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2024-02-10
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: EQUIFAX, INC. (MD)

Dear, Equifax Re : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
Sincerely yours, XXXX XXXX Enclosures : Proof of identity, FTC identity theft report
Consumer complaint received 2024-02-10
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
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)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 section 604A section 2 : States a consumer reporting agency or person can not furnish my account without my written instructions.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX dispute File number : XXXX. I did not live at that address that they have on file. I own that house and I rented it out. My mail continued to go to that address and someone used my information without my knowledge. The information they have is false information. XXXX XXXX XXXX harassed me at my job by calling numerous of times. I explained to them the information was false and they state they have attached the bill to my credit. There representive was very unprofessional.I gave them my personal phone number so they would stop calling my job.
Consumer complaint received 2020-06-25
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: CITIBANK, N.A. (GA)

I have been a victim of identity theft. I filed a police report and the police have charged the lady that was making fraudulent accounts in my name. This is not my Macy 's account. It is part of my identity theft claim. Please remove from my account.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In XXXX of XXXX, I was experiencing financial hardship, and was waiting for XXXX to come through with payment. As many people know ( and as I explained throughly to XXXX ), XXXX benefits often take 4-6 weeks ( if not 8-10 ) before they pay you. In XXXX of XXXX, I spoke to a representative on a recorded line and firmly delineated that while waiting for XXXX to process, I can not afford to pay a loan and rent and bills. 
The servicer on the lender 's end said, and I recall, " It will not negatively affect your credit if you can pay it back within 60 days, that is by XXXX of this year. If at that point there is still an issue, then a deferrment is needed. '' I felt reassured that they understood and had made proper notes in their system. 
So, in XXXX of XXXX, when this was still a pressing issue, I reached out for a deferrment, and was granted one. I made payments to keep current, as promised with the agent on the line, who guaranteed that was all that was needed to not be negatively impacted in a credit report. I have been making current and full payments since. 
It is XX/XX/XXXX. I went to apply for a loan so that I could fund a degree and pay it back on slower terms than out of pocket, as sometimes bugeting for XXXX XXXX XXXX XXXXXXXX for a degree is challenging, and I did not want to run into an issue of not being able to pay for other expenses. It's called smart budgeting and having an XXXX XXXX XXXX. 
XXXX refered the " adverse action '' as - " you have negative payment history '' as to why they could not finance my realtively small loan. It is interesting, though, as they are the ones who reported the deliquencies and derrogetory marks between XXXX XXXX ( the exact 60-day period aforementioned would not negatively impact me ).
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IA)

I am writing to you with a sense of urgency and frustration regarding the Equifax data breach that has severely impacted my personal and financial life. My personal information was exposed, leading to potential identity theft, and I am outraged by the resulting damages. 

I want to make it clear that I have faced significant challenges in dealing with this situation due to language barriers and a lack of understanding of credit systems. I had trusted Equifax as a reliable entity, but since XXXX, I have been grappling with my credit score due to identity theft, which I was unaware of until recently. 

The problems I have encountered with my credit are now understandable in light of the data breach. I have spent countless hours trying to rectify these issues, causing not only disruption to my daily life but also immense stress and anxiety. 

I am aware that the deadline to file a claim for Out-of-Pocket Losses incurred between XX/XX/XXXX and XX/XX/XXXX as a result of the Data Breach was on XX/XX/XXXX. However, due to the challenges mentioned above, I was unable to submit my claim in time. 

I demand your immediate attention and consideration in reviewing my case despite the passed deadline. It is only just that Equifax takes responsibility for the damages caused by their failure to protect my personal information. 

I have incurred significant personal out-of-pocket and monetary expenses as a result of this data breach :
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX of XXXX, I was experiencing financial hardship, and was waiting for XXXX to come through with payment. As many people know ( and as I explained throughly to XXXX ), XXXX benefits often take 4-6 weeks ( if not 8-10 ) before they pay you. In XXXX of XXXX, I spoke to a representative on a recorded line and firmly delineated that while waiting for XXXX to process, I can not afford to pay a loan and rent and bills. 
The servicer on the lender 's end said, and I recall, " It will not negatively affect your credit if you can pay it back within 60 days, that is by XXXX of this year. If at that point there is still an issue, then a deferrment is needed. '' I felt reassured that they understood and had made proper notes in their system. 
So, in XXXXXXXX XXXX XXXXXXXX, when this was still a pressing issue, I reached out for a deferrment, and was granted one. I made payments to keep current, as promised with the agent on the line, who guaranteed that was all that was needed to not be negatively impacted in a credit report. I have been making current and full payments since. 
It is XX/XX/XXXX. I went to apply for a loan so that I could fund a degree and pay it back on slower terms than out of pocket, as sometimes bugeting for XXXX XXXX XXXX XXXXXXXX for a degree is challenging, and I did not want to run into an issue of not being able to pay for other expenses. It's called smart budgeting and having an XXXX XXXX XXXX. 
XXXX refered the " adverse action '' as - " you have negative payment history '' as to why they could not finance my realtively small loan. It is interesting, though, as they are the ones who reported the deliquencies and derrogetory marks between XXXX XXXX ( the exact 60-day period aforementioned would not negatively impact me ).
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AL)

XXXX on total XXXX and have been this way since 1990 unable to work. XXXX XXXX said that I would not have to repay the XXXX loan for my daughters education. They lied about removing this from my credit report and I just want this to go away once and for all. My health has gotten worse since my daughter has attended that school ( they are out of business!!! scamming folks out of the careers they promised ). I wished my daughter never went there to better herself.
Consumer complaint received 2022-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc. (KS)

I revoked my Authorization for electric debit in XXXX and today XX/XX/2022 they tried to put a check thru for {$100.00}. I was charged a nsf fee because of this and advance America claims I didnt revoke my authorization but I have the email from them when I did and I will attach it as well.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity theft. I filed a police report and the police have charged the lady that was making fraudulent accounts in my name. This is not my XXXX 's account. It is part of my identity theft claim. Please remove from my account.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NY)

I called the company to request the account closed and a final bill to be sent. I was never late on my payments. They left the account open and charged late fees. I called back twice and was assured that the account would be closed by my request, late fees removed, and sent the payoff balance. To my dismay after I paid my bill with one payment in full they took my payment and update my account with the creditors a negative collection closing by their request instead of by the true accurance that I requested closed, paid my bill in full and was never late.
Consumer complaint received 2024-02-10
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: EQUIFAX, INC. (MD)

Recently, I researched my credit report, which resulted in tremendous despair. I'm XXXX XXXX XXXX This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains.

I am aware that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately 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 ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a copy of verifiable evidence within 15 days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case.

1. 15 U.S code 1692 ( g ) validation of debt XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 
XXXX Account Number : XXXX Please remove it from my credit report.

3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax XXXX Account Number : XXXX Please remove it from my credit report. 
Thank you for your cooperation
Consumer complaint received 2022-10-04
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. (PA)

Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus XXXX, XXXX and Equifax of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # XXXX : XXXX XXXX XXXX XXXXXXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX .... 

*These 2 accounts were identified as fraud and I have asked for them to be removed across all 3 bureaus if they can not provide any information that these accounts were in fact mine. 

Account # XXXX XXXX XXXX XXXX .... 

*This account was categorized with the 2 accounts above and was removed by XXXX. Neither Equifax or XXXX has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.
Consumer complaint received 2020-06-24
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: BARCLAYS BANK DELAWARE (CA)

Letter of Complaint : Refuse to Validate Debt Beginning in XX/XX/2019, Ive disputed the debt with the major credit bureaus, as well as Barclays Bank. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Convenience checks — 
Company: BARCLAYS BANK DELAWARE (CA)

This complaint is associate with my XXXX XXXX XXXX. " Convenience '' checks carrying a 0 % APR were recently sent along with my monthly statement. The description of " Fees '' associated with these checks only refers to " balance transfers '', which are subject to a XXXX % fee or {$5.00} whichever is greater. I used XXXX of the convenience checks to pay a contractor working on my house, these checks were NOT used to transfer the balance of another credit card. The XXXX checks were written for {$2500.00} and {$240.00} respectively. I was charged fees of {$100.00} and {$9.00} respectively for using the checks. I called the credit card company to protest the fee, explaining that the fee description only mentions balance transfers as being subject to a fee, and that I did NOT transfer a balance from another credit card. I repeatedly stated my case and requested a refund of {$100.00} - the combined total of the XXXX fees. The credit card company has refused to issue me a refund. I find their description of fees for the use of these checks to be totally misleading and deceptive.