davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I went online to get a copy of my credit report and credit score. I was told to call XXXX and give them a reference code of XXXX. Once I had a representative online, they text me a link in which they wanted me to upload my Texas ID front and back and take a picture to verify my identity. I complied. Then she said that the address they had on file was not my address XXXX XXXX  XXXX XXXX  XXXX XXXX Texas XXXX she said she needed me to fax her my 1099, Texas ID, Social Security number, along with a reference stating that this information was to prove my identity and update address. 
Please see attached Confirmation to the fax number given to me by equifax information services. ( XXXX ). I faxed the requested documentation of my Texas ID, My XXXX ( proving my current ) address as well as my social security card.I called back today to check the status of the information I sent and was told by a " supposed '' Office of Consumer Affairs Supervisor ( XXXX XXXX ID XXXX ) that they have not received my information and that my information might have been dis-guarded because it was not the correct information. I explained to her that this was the EXACT information that was requested from me and she said well you need to mail it because we don't have it. When I inquired where my PERSONAL PRIVATE information was that I sent to a " supposed '' secure fax number that was given to me by her equifax representative, She said she did not know. I asked to speak to someone high than her that could assist me with finding out where my PERSONAL PRIVATE information went, as it was supposed to go to them, SHE WAS EXTREMELY RUDE AND UNPROFESSIONAL, she declined and said that she was the highest person that I could talk to. I asked for her supervisor and she said no, she was the highest person. I told her that it was against the law for her not to let me know where my information went and that she was violating my rights not attempting to assist me. She responded by saying that we were going in circles, that she is the only person that I could talk to, there was no one higher than her, then she proceeded to disconnect the call without assisting me in any way.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (AL)

I had an account with XXXX/XXXX  that opened in XX/XX/XXXX. In XX/XX/XXXX, I underwent XXXX  for XXXX XXXX XXXX, and was off work for 2 months, and requested paperwork to utilize the Credit Protection Program called XXXX. I completed the documents and sent the paperwork from my Dr. After that, I never heard anything else, so I assumed it was processed and applied to my account. 

Later that year, after reviewing my credit report, I noticed a charge-off from XXXX and was bought by XXXX XXXX, who in turn was taken over by XXXX XXXX XXXX. In accordance with the FCRA, I had requested Debt Validation on several occasions, but was never sent any documentation in order to validate the debt as requested, but they continued to report it as a collection account on my credit report. Now come to find out, it was sent to Scott & Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and a lawsuit was filed in our local XXXX County Alabama courts. I was served by the court. 

I contacted Scott & Associates local office in XXXX, Alabama, and was told that if either paid the account in full or set up payment arrangements, they would place a hold on the court case until the account was paid off. I was never provided any sort of Debt Validation documents, although I requested them multiple times, as well as I have requested it through the credit bureaus as well, and it comes back as validated, but the creditor and credit bureau and collection agency refuse to provide documentation that I am entitled to by law. 

Time is of the essence since I have until XX/XX/XXXX, to make another payment of {$200.00}. I feel that this debt needs to be invalidated and all court proceedings and any judgments be stopped and cancelled for violation of the FCRA. I am also requesting a refund of the {$200.00} that I paid to Scott & Associates on XX/XX/XXXX. 

According to my rights under the FCRA and Fair Debt Collection Practices, all parties involved are in violation of my rights as a consumer, and I would like immediate resolution. 

Thank you for assisting me with this matter of the utmost urgency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX-account # XXXX ), has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I started the problem on my own. I have a XXXX store card and the company sold there account to a different handle. I pay through my bank online bill pay and didn't delete the old account once I put the new account in. I paid to the old company holding the card, and when I was notified that I didn't make my payment I started questioning it. I found that I paid to the old holder of the account {$240.00}. I tried calling the old account and would just get transferred to the new place. The new place told me to email the bank transactions that were sent to the old account so I did. Then they told me I had to mail it in. They still say they never received it. I have paid off my account and they closed it because they didn't like the way I spoke to them on the phone. However, I never got my {$240.00} back in which they said they would get it from the old company that handled the account prior to them taking it over. Not only did I pay late fees, but also the balance twice. I will never get a card handle by community again. I have attached the two transactions going to the old account number from my bank.
Consumer complaint received 2021-02-03
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -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 2021-01-30
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: Experian Information Solutions Inc. (SC)

i have contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize
Consumer complaint received 2022-04-11
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-10-10
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00}
Consumer complaint received 2021-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

XXXX  under American Education Services is charging people over fees. The principal never reduces! All of this economic relief wont do anything for the 32-45 year olds that still have debt. We were given guidance to refinance by XXXX XXXX so now our loans are not considered federal and do not qualify for any programs. No one is making these loan companies comply. Ive been paying {$440.00} a month since 2009 and I still owe what I borrowed!
Consumer complaint received 2021-01-30
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. (SC)

i have contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

On XXXX I attempted to get and save as a PDF my Equifax credit report from AnnualCreditReport.com. I have been able to get my reports from there before with no issues until now. After inputting my personal information it kept putting up a screen to call them, so I did. They directed me to myequifax.com to sign up and get my report there. Although I successful in signing up and viewing my credit report, I was unable to print or save my credit report as a PDF. I called Equifax to find out how I can print or save it, the representative told me that printing or saving a credit report from my equifax is not allowed for " liability reasons '' Why is that? Is it to make it harder for me to send disputes up for the multitude of errors on my credit report?
Consumer complaint received 2021-01-30
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: Credit Technology, Inc. (GA)

I have had a recent hard inquiry on my account from the following. 

Credit Technology Incorporated. 
XXXX  XXXX XXXX  XXXX XXXX XXXX. 
XXXX, CA I do not know this company and I did not approve this inquiry. This is complete fraud and I would like to dispute it immediately.
Consumer complaint received 2021-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

i have contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I have written and talked with my school loan lenders over the past year with no avail however, after further review of my three credit reports, I have found them all to be two to three years old, and my financial balances are totally incorrect. Unfortunately I have five lenders who have not updated any of my financial information to the credit bureaus. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Capital one, which is a credit card I paid off in full sixteen months ago, in the amount of {$3100.00}. After calculating such figures I have paid back {$14.00} to these XXXX lenders and my credit reports state false and or incorrect balances on these accounts. This is a very negative and significant situation for me and my future. I need help or directions that will help me fix this serious problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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. (LA)

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. 

In addition,12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. 
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

I am formally requesting immediate action to investigate this violation, cease further sha ring of my information and to remove all unauthorized reporting related to this account.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

My complaint is against Experian. 

I am unable to lock my credit with Experian. Their website is XXXX and seems primarily intended to get you to subscribe to their paid services, which presumably are easier to navigate than the free service. Experian requires a PIN to lock credit, but I do not have a PIN, and every time I try to search for the mechanism by which I can get a PIN issued ( or reissued? ), it sends me in a circle. Meanwhile, my credit report with them is unlocked, and my credit is unprotected! 

If credit reporting were the responsibility of the US government, and the government did as poor of a job as Experian, people would be up in arms. I have no idea why this absolute cabal of extortionary gangsters have so much power in our financial system.
Consumer complaint received 2022-04-18
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. (GA)

Complaint # XXXX I the consumer filed a complaint. I was informed that one of the accounts are to remain. Looking at my consumer report all accounts asked was deleted except 1 so I am guessing its the account that was request to stay on consumer report by furnish-er. ( XXXX XXXX XXXX ACCT # XXXX ) EXPERIAN STATED Regarding one of the accounts, at your request to conduct a re-investigation, we contacted the data furnish-er ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/2022 for review. 

I WOULD LIKE TO REQUEST A DESCRIPTION OF PROCEDURE OF THE RE-INVESTIGATION IN WHICH I AM LAWFULLY ENTITLED TO PURSUANT TO 15USC1681i-PROCEDURE IN CASE OF DISPUTED ACCURACY.. ( XXXX XXXX XXXX ACCT # XXXX ) EXPERIAN HAS 15 DAYS TO SEND THIS I REQUEST THAT XXXX  BE SENT TO THE LOCATION ON FILE AN VIA EMAIL XXXX XXXX
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

This is in reference to account number XXXX, oh property address XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX. Account number name under XXXX XXXX. 

Wells Fargo is reporting inaccurate information on my credit report. With some of the credit reporting agencies is appearing as though I still have open account with Wells Fargo. In some cases it's appearing with some type of balance. Each Credit Reporting Agency report something differently. Including on reporting so many lates when there was an agreement reached, that I was sell my house and they physically got paid back their money, that Wells Fargo will not negativity report things on my credit report. As long as I sell my house and they got their money. It seems that my credit report there is multiple Wells Fargo accounts on there. When it's the only show I only had one Wells Fargo account. Well I had people pulling my credit report, apparently there's different information that is being reported by Wells Fargo on different reports.
Consumer complaint received 2021-01-30
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. (KY)

On XX/XX/2020 I filed a complaint with CFPB -Complaint Number XXXX. In there response to the complaint Equifax stated it would send me the results that the company provided them from the investigation. As of today they didnt. It has been over 8 months that I originally filed a dispute about these 2 Erroneous items. I have filed several disputes and this is my 3rd complaint with the CFPB and Equifax has continuously disregarded the FCRA and my consumer rights and have never given me the results of the investigation ( s ) from my multiple disputes and complaints. I have continuously asked for proof how they keep coming to the conclusion that these 2 erroneous items are mine. There is no proof because they are not mine. The only thing Equifax keeps sending is a copy of my credit report. They are continuously ignoring my request. Underneath this is the complaint I filed on XX/XX/2020 in which Equifax refused to comply and outright LIED about what they would send me : On XX/XX/2020 I disputed 2 items on my credit report that dont belong to me and are erroneous items on all 3 of my credit reports. XXXX  and XXXX  investigated and removed them from my credit report. Equifax has refused to remove them from my credit report. The creditor is XXXX/XXXX  one in the amount of XXXX and the other in the amount of XXXX. I sent Equifax customer complaints about this company how they magically appear on peoples credit reports and I have repeatedly contacted this company and they continue to give me the run around without any assistance. On XX/XX/2020 I wrote Equifax and requested that they send me information including names of how they completed there investigations and gave them a time limit to respond to me and to no avail Equifax has never supplied me with the information I requested and it has been over 5 months. By law Equifax is required to remove these erroneous items from my credit report.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : - XXXX XXXX  Acct # XXXX - XXXX XXXX XXXXk Acct # XXXX - XXXX XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX  XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

PennyMac agents have been calling our telephone number repeatedly for years asking for XXXX XXXX. We have told PenneyMac agents repeatedly that we have had this telephone number for eight years and there is no XXXX XXXX here, but the harassing telephone calls continue.