davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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. (TX)

Equifax Information Services, LLC, XXXX, XXXX XXXX XXXX Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.
Consumer complaint received 2022-04-27
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-10-14
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)

I have sent multiple request for validation of debt via a contract with my signature stating that i have agreed to paying back a debt and or owe debt to collection agency listed on my credit. I also requested that those accounts be taken off of my credit until proof can be submitted and all three credit bureaus including collection agency have failed to send me requested validation on multiple occasions. And debts are still on my credit and has not been removed
Consumer complaint received 2019-01-08
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: HYUNDAI CAPITAL AMERICA (NY)

In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
Consumer complaint received 2021-12-08
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: FIRST NATIONAL BANK OF OMAHA (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to  XXXX and XXXX XXXX to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

XXXX continues to report NELNET has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both XXXX and NELNET know the school loan was in deferment and the information has been reported to XXXX. I am being harassed by both XXXX and NELTNET regarding my school loan data. My Credit report is required to be updated by XXXX and return my XXXX points. NELNET has had my school loans since XXXX. If another agency like, XXXX is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to Federal Student Loan account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from mXXXX XXXX XXXX due to the cap of XXXX put on Federal school loans by the Republican Congress in XXXX. I have been trying to resolve this issue for 2 years. Both XXXX and NELNET refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former XXXX now servicing school loans as Conduit. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my Federal Student Loan account.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Social Finance, Inc. (TN)

I applied for a SoFi credit card in XXXX of 2021 and received it I never used it until XXXX of 2021 but never received my order.The total of that order was {$80.00}. My XXXX card statement showed several charges that I deny was from me. I filed a fraud claim. The charges were temporarily discharged The XXXX. statement still showed 4 charges that were not discharged. I still hold that those are not my responsibility either. I have been trying to contact SoFi 's fraud claim investigator, XXXX, several times, l left several messages and now her voice mail is full.XXXX 's phone number is XXXX, ext # XXXX. SoFi has now reported me to XXXX credit bureau and my credit score went fromXXXX to XXXX overnight.I tried to contact the merchants by phone and web site. They were either busy signals or phone numbers did not exist and I couldn't find any web sites that existed.The initial SoFi investigator 's name is XXXX. her extention # is XXXX. Neither XXXX nor XXXX have returned my calls.I am XXXX XXXX XXXX and have no use for the products that were illegally charged to my account. My full name is XXXX XXXX XXXX. my email is " XXXX ". the last four numbers of my account arecurrently '' XXXX ''. previously they were XXXX ''. after the initial investigation I received a letter stating that the charges were discharged so I cut up the credit card and forgot aboiut it until the XXXX statement arrived with four similar charges still there. This card was issued by the XXXX XXXX XXXX who hired SoFi to administer for them. 
In summary, why did SoFi only discharge just certain charges. when they were all charged during the same time period. It is clear to me that a theif took advantage of an apparent oppotrtunity to steal my card and Identity. to enrich themselves at my expense.
Consumer complaint received 2021-07-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My husband had a USAA credit card XXXX  since XXXX with USAA BANK. In XX/XX/XXXX bank reported him 30-days-late. 5 months later in XX/XX/XXXX after being married in a month before in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XXXX. I did not have the card in XXXX. There is no way I could have been late as I did not have a card or no obligation to pay. I have asked the USAA Bank and the CRA 's to remove the account. They have failed to do so. This is in violation of federal and state laws.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I used CASHAPP To send XXXX. 
On XXXX XXXX XXXX I was contacted by XXXX XXXX on XXXX. She told me of a platform that she was in and if i put in {$100.00} in XXXX hrs i would get {$500.00}. When that time came i was told i had to wait until I was {$1000.00} invested. Every time I should have been able to get money there was another reason they would not give to me. This group was called XXXX XXXX XXXX. Then a woman by the name of XXXX XXXX contacted me saying to leave that group and she will help me retrieve my money. She said her group is XXXX XXXX. She was probably the same person looking back. Im sure my money all went to the same people. It was the same thing. Add more money and they promised me I would get my money that was due to me. Im on XXXX and I am XXXX years old. I needed this money badly. I barrowed and the total due to me is {$19000.00}. These people got mean and nasty to me. They called me names and said how stupid i was and belittled me because I didnt understand. I was told no way can this be a scam because it was binary trade. I tried contacting cashapp to get my money back and they are not responding. The purpose of this scheme was to target people such as myself that has no idea what they are doing to steal from me using fraudulent representations. I have a letter written out to you but I cant copy and insert it. Someone is trying to help me with this as I am devistated. They stole all my money and then some. I have all of the individual withdrawals to them if u need them. Please help me to get my money back.
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

Loan was transferred from XXXX XXXX to XXXX XXXX. Information was due to be provided so that an account online could be created - a " Heartland key '' so that payments could be made. Key was never provided. Updated information was never mailed. I was able to obtain a key from chat support. Payments fees are exorbitant - over 9 % with a debit card. Between $ XXXX {$1.00} to pay by check. I decided to do a full pay-off of the loan. Was unable to complete the payment online - received repeated errors that they could not process my payment and was provided a Customer Service phone number. Called in and was told to use a different browser ( error code does not indicate as such ) - tried XXXX, XXXX XXXX, XXXX, XXXX, and XXXX with cleared cache in each browser. Was told " in certain cities we only allow certain browsers. '' Asked to make a payment over the phone since an online payment was not possible - was told that I would be charged {$10.00}. Asked to speak with a supervisor to waive the {$10.00} fee. Was told none were available and someone would call me back ( meanwhile, the loan accrues interest daily ). Customer service agent was rude and eating during the call.
Consumer complaint received 2022-08-07
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. (NJ)

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 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 2018-12-19
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: Experian Information Solutions Inc. (GA)

Unauthorized inquiries applied to my credit file. I contacted Experian 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Experian liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Experian continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Experian which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. I will absolutely take legal action if Experian ignores my 4th request to remove or correct inaccurate information. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Experian. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2018-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.
Consumer complaint received 2019-01-16
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 — Problem with personal statement of dispute
Company: Midwest Recovery Systems (TX)

So I filed a previous complaint against Midwest Recovery Systems only for them to totally respond with information that was nothing but a lie. They claimed that MRS policy to send notice within five days of communication per the FDCPA. Our internal policy is to honor both verbal, and written validation requests. 

MRS broke the law per FDCPA because they put this so called debt on my credit reports without notifing me at all, their agent callled and bragged that MRS had already submitted to the credit bureaus.
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-08-06
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 I tried to withdrawal money from my edd account and the atm said daily limit reached so. Checked online and showed two fraudulent atm withdrawals one that morning XX/XX/21 and one the night before XX/XX/21 each one was for XXXX $ ( The daily withdrawal limit ) so I immediately called and filed a claim with Bank of America and they told me the transactions were made in XXXX XXXX and another city in XXXX XXXX. I have never been to either of those places I had been in montebello for the last 2 weeks. They said the withdrawal were made at BANK OF AMERICA ATMS too it should be easy then just look at the cameras!!!! There is absolutely no excuse for them giving me a card with no security chip in the first place if they would have provided secure cards most of this would have been avoided! and what a nightmare this has been I have filed the claim 3 times now and they have denied each one without any explanation or even letting me explain more. I thought there was a ZERO LIABILITY policy? Just not for me? I feel abused like a 2nd class citizen I really dont know what to do I am going to be homeless because I cant pay my rent please help!!!
Consumer complaint received 2021-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you do?
Consumer complaint received 2021-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

XX/XX/XXXX my insurance company sent a check to Santander Consumer USA for the total loss of my vehicle. The check cleared the bank on XX/XX/XXXX, but was not posted to my account. I called to follow up, and was told there was no check or payment found. I had to provide the copy of the cleared check before they would acknowledge. I later found out that the payment was posted to the wrong account. I was told to give 5-7 days for it to be updated. It has been almost 3 weeks since I sent them the paperwork and they still have not posted the payment. They tell me to continue making monthly payments. My GAP coverage check cleared and was posted XX/XX/XXXX. They still do not have my vehicle deemed as totaled, while interest is steadily accruing on the account. No one has been able to explain why it is taking so long, only that most are working from home and it takes time to process the payment. It took no time to have the check clear the bank, but over a month to have the apply the payment appropriately. It has been a challenge trying to get another car with a decent interest rate with the totaled vehicle showing up with the high amount owed. They have pretty much backed me into a corner, resulting in the purchase of a car with a higher interest rate, because of what the finance companies are seeing. I have been in a rental since XX/XX/XXXX and it is now XX/XX/XXXX. UNACCEPTABLE.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

I applied for a chase business credit card & they are wrongfully declining me to obtain credit, my personal report is perfect my business credit is also expediential. im a XXXX XXXX  & XXXX plus duns number my reply states i have a derogatory which i do not i can provide both docs if needed, there is no true reason to deny me when i am personally garneting the card with my personal credit audit.
Consumer complaint received 2021-10-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MO)

Credence keeps calling my work and hanging up without saying anything! They have done this multiple times throughout a 3 month span. I've talked to them on my cell phone when they call and I've asked them to email the info as well as website to make payments with nothing sent.