davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-16
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: CITIBANK, N.A. (WA)

This is regarding the issue with XXXX  Dispute Amount of {$1200.00}. Based on a phone conversion with XXXX XXXX XXXX XXXX on XX/XX/XXXX I have decided to take the XXXX online program based on the condition that, the schedule will be convenient with my working schedule. She told me, I can only see the schedule of class once I take the course by providing the payment information. So I gave my Citi-Costco card as payment method. After some time, their XXXX site enabled me to view the Online -Live class schedule. It was not align with my work schedule. The next day ( XXXX XXXX XXXX ) I emailed the sales rep about my request to cancel the course. Because I didnt see any response, I called her and told me she will work with backend team to cancel my registration. Then next day I emailed the rep reminding again about the cancellation. Then on XX/XX/XXXX, after 2 weeks, I got a Citi Credit card alert about a {$170.00} charge from XXXX. Then I contacted XXXX and they told, 7 days cancellation period is over, but I can raise a ticket with XXXX, with the email proof and I did as he instructed. But nothing happened for 2 days. I filled a dispute on XX/XX/XXXX. Then I noticed another charge on XX/XX/XXXX of {$170.00}, which I disputed again. I called Citi Credit card and asked them to block my card from anymore transaction from XXXX and they advised me to cancel the credit card from future transactions. I cancelled the card and received new card. But after that on XX/XX/XXXX again my credit card got charged for {$1200.00}. This is this questioned dispute, which I contacted Citi again. They told me to dispute the amount. I sent all the relevant documents to Citi cards for my dispute. Now Citi came back and said they can't process the dispute, because merchant is not paying back. I did everything what Citi asked me to do from my side before the merchant making anycharge. But Citi ignored and allowed to make the charge on my card. Now saying they can't help me on reverting the charge
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (FL)

Hi I found out that an account has been opened in my name in XXXX XXXX  which I never opened, I found out about this account in XX/XX/2020, I had already filed an police report about this situation in XX/XX/2020 as well. I have disputed this account several times with the credit bureau ( Experian ) but the account still remains on my credit report please help me. I had also gave the copy of my police report to the XXXX XXXX  branch near me but the account has still not been terminated.
Consumer complaint received 2022-07-18
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/22 {$2300.00} I submitted payment for my rent using my debit card on accident in my resident portal. My rental company told me there's nothing they can do on their end and that I need to dispute it with my bank, get it refunded, and then submit payment with the correct card. 

I followed those instructions and on XX/XX/22 I received notice my claim was denied with no explanation from my bank. 

I called the bank and the " Customer support '' person just kept telling me there's nothing they can do to help me even though my bank is in the negative and I've been back and forth repeatedly with my rental agency telling me this is what I need to do. He said that it's already been closed by some power-that-be at the bank. 

Inexcusable lack of customer support.
Consumer complaint received 2021-07-16
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. (VA)

HELLO, I SENT OFF MY FTC REPORT ALONG WITH MY DISPUTE LETTER TO EQUIFAX, XXXX, AND XXXX. I EVEN CALLED EQUIFAX AND STATED BY LAW 15 USC 1681 THE FAIR CREDIT REPORT ACT, THAT THEY HAVE TO FOLLOW THE LAW THAT PROTECTS ME AS A CONSUMER. I WAS TOLD NO THEY DO NOT. THESE COMPANIES HAVE RUINED MY REPUTATION. I HAVE TRIED TO RESOLVE THIS MATTER PLENTY OF TIMES, AND THEY HAVE YET TO ADHERE TO FEDERAL LAW. EQUIFAX EMPLOYEE : XXXX EMPLOYEE # : XXXX
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification 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 2023-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MD)

NAVIENT continues to call and threaten to show negatively on my credit report when their is a student loan forbearance that the President signed until at least XX/XX/2023. They continuously call and harass me for payment. Their number is XXXX i have called and advised of this and they continue to call.
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

I declare under the penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX and XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violations punishable under 18 U.S.C. 1001. Additionally, those misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-23
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. (VA)

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

XXXX XXXX : # XXXX, 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 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on the account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (AL)

On XXXX Discover bank closed my checking and savings account for business purposes and said it will take 60 days for them to mail me a check for the money I had in those accounts. I need the money now I cant wait 60 days my bills have to be paid.
Consumer complaint received 2021-01-27
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. (GA)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my identity theft. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and has gotten into the hands of the wrong person. This lack of concern as a consumer is unsettling and disturbing as it is no fault that my information was exposed/stolen. I ask that this matter be corrected and updated immediately because I have sent in the required paper work as requested now I need you to enforce the laws here to protect the consumer.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

On the following dates XXXX, XXXX, XXXX and XXXX I submitted disputes to Experian and XXXX XXXX credit reporting agencies informing them of their violations of 15 U.S. Code 1681. FCRA 623 ( a ) ( 5 ) and FCRA 609 ( a ) ( 1 ) ( a ), ensures that correct methods are used to investigate, correct and report the correct information from its original source. On the XXXX of XX/XX/2020 Experian and XXXX XXXX credit reporting agencies voluntarily committed to violating both U.S. codes and verbally insured me that they would not comply after I informed them that the agency ( XXXX ) of their choice to verify consumers correct information have complied with the same explained information and sent Experian and XXXX XXXX the documented proof, they still vow to violate both U.S. codes protecting consumers Privacy and said accuracy of their reported credit history. 
These actions of Experian and XXXX XXXX cause serious derogatory discrimination, harsh negative results and serious collateral damage to a consumers life preventing them from purchasing a home, obtaining dependable transportation and even obtaining a job.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX : ending in XXXXXXXX XXXX XXXX  : ending in XXXX XXXX XXXX : ending in XXXX XXXX XXXX  : ending in XXXXXXXX XXXX XXXX XXXX XXXX : ending in XXXX XXXX XXXX XXXX : ending in XXXXXXXX XXXX XXXX  : ending in XXXXXXXX XXXX XXXX XXXX : ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

I am a victim of identity theft, as a result many accounts such has banks and credit cards were opened in my name. I have directly sent documentation as well as letters to this company and the credit bureau maintaining my financial information and the item is still being reported and even was sent to another company to collect on the account. This has adversely affected my credit rating. Notarized affidivats were mailed directly to the companies
Consumer complaint received 2023-01-09
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. (PA)

XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX  6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting 2 different credit amounts {$350.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

My ex XXXX XXXX XXXX added me as a user in one of his credit cards. I never approved or used this card and he didnt pay on it and now it shows on my credit report. I called the credit card company and they said they couldnt remove me. I never got how he was able to Just add me and now Im more XXXX  with more of His debt without my permission.
Consumer complaint received 2023-06-05
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: LEXISNEXIS (TX)

They are saying they did a investigation who did they talk to. 15 usc 6802 states that non public information must be disclose in writing or electronic form. Which has not been disclose or a correct investigation to see if the information is reporting correctly. please go to the court house to get the correct information. Please in your investigation process send me a copy of the bankruptcy discharge paper. something stating who they talked to during the investigation process. If not the investigation is not done correctly by law.
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (OK)

XXXX XXXX Date of Service for medical procedure : XX/XX/2022 Amount billed by XXXX XXXX BEFORE XXXX health insurance processed claim : {$5000.00} DATE XXXX  FINALIZED CLAIM FOR DATE OF SERVICE XX/XX/2022 : XX/XX/2022 XXXX  adjusted contracted rate with XXXX XXXX for medical service on XX/XX/2022 : {$1500.00} XXXX  benefit paid to XXXX XXXX for date of service XX/XX/2022 : {$640.00} Patient responsibility AFTER XXXX  processed insurance claim : {$880.00} During the claim process we received bills from XXXX XXXX for the total amount of {$5000.00}. Every time I received a bill from XXXX XXXX I contacted their billing department and advised the claim was being processed by my healthcare provider. Every time I received a bill from XXXX XXXX in the amount of {$5000.00} I contacted my healthcare provider inquiring status of claim. 
Every time I contacted my healthcare provider I was advised the claim was still being processed and they advised they would contact the billing department at XXXX XXXX which they did and XXXX XXXX advised the bill was put on hold. On XX/XX/2022 I received notice from collection agency for {$880.00}. XXXX  never gave me the opportunity to pay my patient responsibility and sent my account DIRECTLY to collection agency.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/21 I attempted to use a ATM machine to withdraw {$500.00}. After entering pin and entering amount no money came out but an error message said because I took too long to remove the money it was was returned inside the machine ( but the money never came out ). But, the account was debited {$500.00}. This machine has a history of malfunctioning which Wells Fargo admits to. Knowing this Wells Fargo says, we have to wait up to 10 days for them to investigate. This is a hardship, we have bills to pay and we need our money now. 

Claim date : XX/XX/21 Claim number : XXXX Wells Fargo customer service number : XXXX ( XXXX ) XXXX Customer name : XXXX XXXX Contact number : ( XXXX ) XXXX. E-mail : XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I reached out to the credit agencies to have these unauthorized inquiries removed from my report and there has been no adjustments to my report. Here are the hard inquiries listed below. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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