davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (IN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX Account numbers, XXXX. XXXX XXXX XXXX Account number, XXXX. XXXX XXXX XXXX XXXX Account Number, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A. States i have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer report containing any of the following items of info, Any other adverse item of info, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any info 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 2021-02-01
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: Self Financial Inc. (NJ)

I am a customer of Self with both a credit builder account and a visa credit card account. I have been consistent in paying my both account on timely basis until I felt sick due to the XXXX. I am a XXXX  worker in the XXXX XXXX XXXX and have worked all through the crisis covid in the XXXX XXXX  of a major XXXX in XXXX XXXX XXXX. I contacted the company and explained that I was sick in XXXX and probably missed the payment due to my serious illness. I was advised to write a goodwill letter by a gentleman that I spoke with with over the phone which I did twice. Twice, the response was by an automated machine denying my request. 
I have carefully revised my account and during the month of XXXX and XXXX 2020, payment was made twice each month and that should have covered payment for XXXX 2020. It is painful that Self is being insensitive to the plight of XXXX XXXX who has been consistent with payment until falling sick and will rather aggravate the health struggle with additional financial woe. 
I want the company to review my account and remove the late payment on my credit profile for the month of XXXX 2020. I also do not understand the various reversal of late payment between the month of XXXX and XXXX. 
The four payments I am referring to are for the following months XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 Thanks
Consumer complaint received 2021-02-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (LA)

On XX/XX/XXXX I learned from an original creditor ( OC ) a claim of {$440.00} was still owed. I contacted the OC ( XXXXXXXX XXXX ) explained & illustrated to them that no further monies were owed. They assured me the matter was resolved & a letter of confirmation would be sent to me. XX/XX/XXXX I receive a letter form Grant & Weber Inc. ( collection agency ) stating they represent XXXX XXXX ( OC ) and now {$480.00} were owed. I explained to them the prior conversation with the OC expressing resolution to the matter. They did not care. They continued with the debt collections and placed it on my credit report even after I wholeheartedly disputed theyre claim. On XX/XX/XXXX I sent them a letter asking them to validate theyre claim in accordance with law. They have not provided any of the validation steps or removed the claim from my credit reports as required by law. XX/XX/XXXX I sent a second letter to Grant & Weber Inc. requiring them to remove theyre claims from my credit reports since they have not provided validation as prescribed by law. Im filing this complaint to your agency. I have filed a complaint with the XXXX. I have filed a complaint with the State Attorney Generals Office - XXXX XXXX, NV. Each complaint will express my hardships. The disrespect & plain lack of interest Grant & Weber Inc. has demonstratively shown throughout this matter. The disregard Grant & Weber Inc has for Federal Debt Collection Laws & established professional practices must be reported to your attention for further review. I sincerely hope that you can bring Grant & Weber Inc. to follow lawful procedures & practices. Thank you for respectful consideration & efforts on these matters. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-02-01
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. (MI)

Checking my report today and I noticed some accounts that was open I never was aware of there is some inquiries on my account as well as a bankruptcy Im so confused. the inquires dont even have a account why is this inaccurate info on my report man.
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMERCE BANK (MO)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-02-01
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: SYNCHRONY FINANCIAL (KS)

I called XXXX to remove two inquiries off of my credit report and they refuse to help me. The two inquiries are fraudulently. The first one was from XXXX XXXX XX/XX/2019 and the second one was from XXXX on XXXX XXXX. I really need these off my credit report with XXXX. Also I reached out to XXXX to remove inquiry off my account and the refuse to help me as well. Its from XXXX sync/PayPal on XXXX XXXX also was fraudulent. Can you please help me!!!!!!
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Equifax will not remove account XXXX that was placed on my credit file when my credit file should have been protected during COVID-19 in 2020. The balance is also inaccurate please assist by removing
Consumer complaint received 2020-01-25
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. (NY)

The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that XXXX XXXX XXXX the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with XXXX XXXX XXXX for my monthly car payments to be withdrawn automatically on XX/XX/XXXX of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken onXX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by XXXX XXXX XXXX and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn on XX/XX/XXXX but WAS successfully withdrawn by XXXX XXXX XXXX on XX/XX/2018 which made the payment for XX/XX/XXXX 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be  CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.
Consumer complaint received 2021-02-01
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. (NV)

I had sent letters to all three credit bureaus on XX/XX/2020 advising them they have some incorrect account info and needed to delete it via a 609 dispute letter. 

After 30 days of no correspondence from any party I had sent a sceond 30-day demand to comply letter to each bureau letting them know it has been over 30 days from the first letter and for any inaccurate info to be deleted. 

I had sent certified mail so I know they have my demand to comply letter I have not been contacted and nothing has been corrected. I know need your help. 

Enclosed are the copies of each letter to the beraus. Let me know if you need any more info
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (SC)

CBE GROUP/XXXX XXXX & CBE GROUP/XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE CBE GROUP/XXXX, CBE GROUP/XXXX XXXX, XXXX. XXXX HAS NOT REMOVED/DELETED/BLOCKED- XXXX COUNTY RECORDER.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

We've had this credit card since XX/XX/XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XX/XX/XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XX/XX/XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WA)

I was a victim of fraud. My credit card through citibank was used without my permission or consent. The thieves ran up my credit card to a little over XXXX even though the limit was XXXX. I contacted the creditor immediately after I filed a police report. There is a police case regarding this case. Citibank ruined my life by allowing obvious fraud to continue for months. And now they have me in collections because of their own incompetency. It shouldve been a red flag to them when there were shopping sprees. My credit is bad because I trusted them.
Consumer complaint received 2021-02-01
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)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MD)

On XX/XX/XXXX I tried to reapply for a new credit card due to my old card being cancelled and charged off. I was denied credit and that's unlawful. 

12 CFR 1002.6 - Rules concerning evaluation of applications.

CFR 1002.6 Rules concerning evaluation of applications.

( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( XXXX ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1XXXX ), to be applicable to a creditor 's determination of creditworthiness. 

( b ) Specific rules concerning use of information. 

( XXXX ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.

1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account.
Consumer complaint received 2020-01-25
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: Synovus Bank (TX)

First Progress did not send me a bill. I sent them a hand written invoice with a check for {$93.00}. They did not recieve the payment by the due date. They reported this as a late payment affecting my credit score. I wrote them asking for them to remove the negative mark from my credit report. they wrote back saying they where not at fault and could not remove the negative mark. 
This happened once before and fortunately I caught it in time to send a hand written invoice with payment.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (UT)

We've had this credit card since XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In 2012 we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a vehicle accident. We lived 5 hours away from the bakery, and hired a new XXXX who ran the business into the ground. We kept it going until 2014, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called Chase and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
Consumer complaint received 2021-03-28
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I applied for a loan and needed my EQUIFAX security freeze removed. Firstly, I attempted to remove said freeze via online, but with no success. I kept receiving a message to call a customer service representative. Secondly, I called per instruction, but again, with no luck. I kept getting the run around, being transferred to various individuals and departments. Finally, and conveniently, a representative said the department I needed to speak with was closed for the day. Then, after calling for the third time, a recorded voice said to fax your full name, addresses for past 5 years, social security number, date of birth, copy of driver 's license, and a brief summary of request to XXXX. Thirdly, I faxed said information, along with my home and email addresses, and telephone number. Again, nothing! I have never experienced such ineptitude with the other two credit reporting bureaus. Even EQUIFAX 'S verification questions were bizarre. I had to answer every one with " None of the Above. '' It was as if, I was given someone else 's questions.
Consumer complaint received 2018-02-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAROLINA FINANCE, LLC (NC)

In the latter part of 2017, I discovered I had a small balance left on an old auto loan I had with a company called Carolina Finance. I contacted them, and worked out a settlement arrangement to resolve the remaining balance. The settlement arrangement we agreed upon was paid on XX/XX/XXXX. XXXX months have now passed, and Carolina Finance has yet to properly update my account on my credit report. I have contested the account three times with XXXX, XXXX, and XXXX XXXX ; and Carolina Finance keeps telling the credit bureaus I have an outstanding balance owed. The account should report a {$0.00} balance owed, as it was paid on XX/XX/XXXX.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NJ)

Checkr background check service is reporting two charges when I only have one charge. My conviction was in XXXX county nj and I received probation. For probation reporting purposes the case was transferred to XXXX County after sentencing. I only have one offense yet Checkr is reporting the same offense under XXXX County and under XXXX County. This makes it appear to employers that I have two charges when I only have one.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Department of Education/Navient is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. XXXX and XXXX are still reporting 13 accounts as of XX/XX/XXXX. Navient has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.