davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

I have been calling for over a year and a 1/2 because I am temporarily totally XXXX I have been asking them for help being that I have no income and no money because I am unable to work due to doctor 's orders for my injuries they laughed at me told me to get my stuff together and go to work they told me that being XXXX is a joke and that I need to get over it so they are discriminating against me for being XXXX they have been harassing me calling me from automated systems when I have repeatedly in the past told them that they are not allowed to call me from automated dialers when they have asked me multiple times I have called him crying and asking for help and they pretty much told me they 're gon na get an attorney to send me to a collection agency I do n't know what to do and they will not help me The school I attended will be closing the coming year of 2018 anyway so maybe there 's some sort of way that can help me as well as I was told by some people that that would help because I did n't not graduate from the school and they are closing I do n't know I just need some sort of help I am hurt I am unable to work I have no money and I 'm being harassed by their automated systems and made fun of for being hurt by their employees
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

IN REVIEWING MY XXXX REPORT THIS IS STILL SHOWING ON MY CREDIT.DATE LAST REPORTSD IS XX/XX/XXXX XXXX. THE AMOUNT XXXX IS 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: EQUIFAX, INC. (GA)

A company called fair collections and outsourcing appears on my credit report attempting to collect a debt of roughly {$2700.00} that is 1. incorrect and 2. past the statue of limitations and 3. does not belong to them. This is appearing on my equifax credit report only.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove all fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (KS)

I have received epeated callsto my cell phone number at all times during the day stating that we are owing money. We have checked and we are not behind in payment nor does our credit report such activity. It is a different voice but same phone number. I am leary of speaking with them for fear that they will spam or phish us. I checked the phone number online and found that this is a company on the east coast that has been reported to conduct such activities in the past. It is costing me in minutes on my cell phone plan.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am submitting a complaint against Equifax regarding their failure to adequately address my dispute letter sent on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. The disputed items include accounts from XXXX, XXXX, and a reference to bankruptcy with the case number XXXX. 

Additionally, I disputed incorrect personal information listed on my credit report. Despite my efforts, I did not receive any response from Equifax regarding the results of their investigation. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus like Equifax are mandated to conduct a reasonable reinvestigation upon receipt of a dispute to verify the accuracy of the information in a consumer 's file. Equifax 's failure to respond with investigation results indicates a violation of my consumer rights under the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax as proof of correspondence.
Consumer complaint received 2020-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Good afternoon, on XX/XX/XXXX make a purchase in paypal Transaction ID XXXX of XXXX to a company called XXXX XXXX XXXX they did not send the product due to a problem and paypal On XX/XX/XXXX the refund was made from {$2700.00} to MasterCard XXXX. This money never came, since the XXXX account was closed since XX/XX/XXXX, I had to put claims in the bank and paypal, the truth is that I never got that money, paypal is responsible for seeing where is that money and return that money to my paypal account They only give a false reference number, that XXXX does not know anything, paypal must demonstrate with a document that the money is in my account, a document where the provider says that this money is in X place, do not send a simple false reference, that nobody knows anything, this is a real scam more than 5 months waiting for the money They must be able to check that the money never came to me, work on searching, do not copy and paste data that has no validity. 

A document of the bank account is attached, where it clearly says, the account is closed from XXXX, as a return will arrive on XXXX, it is impossible, because you are not looking for my money, you are going to having to pay expenses and damages plus interest for being incompetent
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, This inquiry is unauthorized. Please DELETE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) : Account number : XXXX, This inquiry is unauthorized Please DELETE!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

Identity Theft. I have not supplied under doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

Creditor Name : Wells Fargo Subject : Fair Credit Reporting Act, Section 611 I am writing this letter regarding payments that were marked late by Wells Fargo for the following accounts on the following date ( s ) : XXXX XXXX Acct : XXXX Amount : {$960.00} This is inaccurate since this account is at a XXXX balance. Therefore, I am requesting this inaccurate report be removed from my credit profile immediately. It is my understanding per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the company ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me only. Furthermore, I am requesting that you provide me in writing the reasonable procedures according to 15 USC 1666 ( b ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include all the information required by Section 1637 ( b ) of Title 15. 

If you dont provide this information in the allotted time given, then I am requesting you remove the late payments from my consumer report with the following consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX 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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX paid {$2800.00} for airline tickets XX/XX/XXXX paid {$7100.00} charged double for the exact same airline tickets. 

I notified the credit card company XXXX XXXX they denied my claim.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (AR)

We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas XXXX XXXX Contract Formation, Arkansas Code XXXX ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

A medical debt collection company ( XXXX XXXX XXXX out of Indiana ) sent me a letter in XXXX indicating that they had requested for the 2 delinquent accounts to be removed from all 3 credit bureaus. Everyone removed them except Equifax. I disputed the account with Equifax ( for a third time ) after receiving the letter from XXXX XXXX XXXX and attached the letter to the dispute in late XXXX. Equifax still did not remove the two items. Additionally, I filed a complaint with the Better Business Bureau against XXXX XXXX XXXX because the accounts were not being removed. XXXX XXXX XXXX indicated during the BBB investigation that they sent 2 additional requests for deletion to Equifax and that there was nothing more they could do -- that it was a problem that I would have to take up with Equifax. Equifax has yet to remove these two entries and they are still being reported.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX  XXXX, # 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have had section 8 housing for almost 6 years, was living at XXXX XXXX XXXX XXXX XXXX az for almost 6 years, I'm XXXX and had no ac and broken window for 5months so found a new place called XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX. I paid XXXX for deposit and half months rent of about XXXX XXXX. And XXXX of 2023 section 8 was to take over and I was told by XXXX that my section 8 was good and they were also going to cover my utilities. So there was NEVER a lapse in housing. The middle of XXXX I received a text from XXXX saying I " don't fit in and if I didn't leave he would ruin my credit ''. I was confused and moved out so there would be no issues and now section 8 is refusing me housing and XXXX XXXX from XXXX holding put fraudent charges on my credit making it hard to find a new place to live.I also saw the apartments XXXX XXXX XXXX on XXXX were bought under my XXXX children 's information, and my children are missing. I am currently homeless due to these actions.also dealing with harassment from one of his tenants XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-09
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. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on 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 U.S.C XXXX section XXXX XXXX States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXXs-XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
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. (WI)

I just recently looked at my credit report and I saw some hard inquiries that did nor have XXXX XXXX. I also attached evidence. 


Lists of unauthorized inquiries that dont have XXXX XXXX to be on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed.