davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
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: EQUIFAX, INC. (FL)

Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit Act, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.
Consumer complaint received 2017-12-14
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: EQUIFAX, INC. (AZ)

Dear CFBD staff, After hearing about the recent Equifax breach, I decided to take advantage of the Equifax offer to provide free credit monitoring and a free credit report for one year under the Equifax Trusted ID program ( equifaxsecurity2017.com ). After enrolling for the program on XXXX-17, I received a message from Equifax that my personal information was affected by the breach. When I examined my credit report I noticed several hard inquiries that I did not authorize. I then contacted the companies listed under the fraudulent hard inquiries and was not able to resolve the issue. I then called equifax and spoke to a supervisor in the disputes department ( XXXX employee # XXXX ). XXXX informed me that there was absolutely nothing Equifax could do to resolve the issue. She informed me that Equifax has no power at all to remove inaccurate information in the inquiries section of my credit report, even if it is completely inaccurate or was initiated without my permission and even if I could not get relief from the company involved. This seems incredibly irresponsible and tone deaf to me especially in light of the recent breach at Equifax and especially considering that they confirmed my information was affected by the breach. Inquiries do affect my credit score and credit worthiness to potential creditors. 

The Hard Inquiries in question are : XXXX XXXX XXXX XXXX XXXX/XXXX When I reached out to the above companies, they told me that these were valid inquiries and could not be removed. I did not authorize nor do I know anything about these companies and I want these inquiries expunged from my report. 

I hope that this matter can be resolved now that I have contacted the CFPB. 

Thank you! 

XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company has NEVER sent me anything in writing via USPS or email. They are REPEATEDLY calling my friends and family. They are threatening jail to everyone associated with me that answers their phone. They are abusive bullies spreading my business ( lies ) everywhere they can. Please stop these people. 

Thank you
Consumer complaint received 2017-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. Equifax is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and XXXX removed these accounts but Equifax is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, Equifax is still reporting.
Consumer complaint received 2017-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (WY)

I previously filed a complaint against XXXX XXXX on XXXX which XXXX XXXX falsely claimed that I had used an insurance card at doctor visit when in fact I received a " self pay '' discount and did not use an insurance card. XXXX XXXX has now come back to me requesting that I complete a " identification fraud '' form, however this is bogus since I never requested Colorado XXXX XXXX to perform a lab test and I never received any lab report from CLS for alleged lab services. The amount of {$200.00} has been reported to credit reporting agencies in violation of state and Federal law, and XXXX XXXX has NOT removed this false report from my credit history. Further, XXXX XXXX in their response to XXXX claimed that the alleged charges are reasonable but I found that CLS, a member of XXXX XXXX XXXX XXXX is generally XXXX to 35 % higher than other Colorado XXXX labs such as Quest, XXXX, or the XXXX Hospital or XXXX XXXX labs. The primary complaint is that I did not order the lab tests, would have been self pay if so ordered, and I would have used a cheaper but competent lab. This debt is FRAUD, and XXXX XXXX should be charged with FRAUD.
Consumer complaint received 2017-12-14
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. (FL)

Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit AcXXXX, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AZ)

A month ago I was mailed a check a school district/county I do contract work for. The school district/county 's bank is XXXXXXXX XXXX XXXXXXXX. I have informed delivery through the postal service. The check shown was scanned in another city ( see attached ), but never arrived to my post office box. I tried to be proactive about this but both the post office and school district made me wait XXXX weeks insisting it was just lost. After XXXX weeks ( when I asked for a stop payment ) the school XXXX XXXX found out that the check was fraudulently endorsed and cashed by PNC bank. The perpetrator even had the audacity to sign their own name to back of check ( see attached ). The school district tells me I am the claimant ( they will not reissue me a check ), however I am unable to discuss this with either XXXX XXXX XXXXXXXX or PNC. I filed a report with local sheriff office, but they never get back with me. My own bank, XXXX tells me that I have to be the squeaky wheel, but no one seems to be taking any responsibility for this and I am totally left out of the loop as a victim of a stolen check for almost {$2500.00}. I don't understand why as a victim I can't advocate for myself with the banks or local enforcement. I even filed a report with the US Postal inspector, but they haven't reached out. Could someone PLEASE give me some legal advice? The squeaky wheel approach does not seem to be working. Thanks XXXX XXXX
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

On XX/XX/XXXX of this year I sent a wire tranfer worth {$20000.00} USD to coinbase to their account in XXXX XXXX XXXX to an account under my name. Coinbase confirmed through email that they recieived it and said as the wire wasnt send from an account under my name that they have reversed it ( I sent it from my business account ). Unfortunately my bank never received those funds back and coinbase just doesnt answer with any solution, they just say they are " working on it '', but dont give me a confirmation of the reversed wire or any documentation that support that indeed they reversed those funds. It has been almost 3 months about this, and I still havent seen any solution. PLEASE HELP!
Consumer complaint received 2017-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

They are calling my place of business and harassing my receptionist and staff in the office. Going as far as to ask my schedule, additional phone numbers for me and personal information. When I told them I ca n't speak at work, they begin to yell and threaten me about wage garnishments and telling my co workers.
Consumer complaint received 2017-12-14
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: EQUIFAX, INC. (NV)

This goes back to XXXX .I inquired with XXXX XXXX College about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXXXXXX XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Consumer complaint received 2017-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Renton Collections Inc. (CA)

This bill was as a result of a work related injury. The original party where I had the service performed was notified on more then one occasion of the XXXX XXXX insurance information. witch was XXXX. They failed to bill the insurance company. They had everything they needed and they just did not follow threw. Now it has been several years and the XXXX XXXX case has been closed. I do not feel I should pay because they did not do there job. And will not pay on principal alone. I will file a small claims case against them and you because it is not my debt. If that does not work it will just sit there until it becomes to old to collect. because as I said that should have been paid by XXXX insurance. Every other party involved the hospital the doctors all got paid and it is there own fault they did not. Thank you XXXX XXXX.
Consumer complaint received 2017-12-13
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)

Experian National Consumer Assistance Center XXXX. XX/XX/XXXX XXXX, XXXX, TX XXXX Re : Dispute Account Information To Whom It May Concern : Im writing you in regard to these accounts on my credit report you claim I owe. Since Im unaware of these debts and its origins, Id like to formally request validation of these alleged debts. To be clear, I am unaware of these debts and according to the FDCPA, Im disputing these debts and need complete, irrefutable evidence these accounts is legitimately mine and this claim is legally yours, you are legally allowed to collect on it, as well as report it to the credit reporting agencies. 

Name of Account : Open Date : Provide Physical Proof of Validation : XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XX/XX/XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XXXX XXXX XXXX Non-validated XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Non-validated Account Please respond to me with the following information : Proof I agreed to this debt with my signature ( s ) Proof the amount you are claiming is correct and legal, which will require all statements and payment history from the original creditor Proof this account is within the Statute of Limitations and has not expired Proof you are the owner of this account, which will require the contract and terms between you and the original creditor Proof you are legally licensed to collect this debt in my state For verification purposes, I will need your business license number ( s ) I am sure you are aware if you are unable to provide these few basic facts, you are in violation of the FCRA and FDCPA, as well as potential state and local laws. That being said, if you can not provide this basic information, and continue to report these unverified, non-validated debts, I will pursue this legally for violating the Fair Credit Reporting Act. 

Until this debt is validated, I request the above accounts be removed from all credit reporting agencies, since it is not been validated. Please remove all references regarding these debts from all reporting agencies until you can provide irrefutable evidence this debt is legitimate and you are legally allowed to collect on it as the owner of this debt. 

If you are unable to provide the proof I requested within 30 days of receipt of this notice, please remove and/or continue not reporting this account from all reporting agencies, which is mandated under federal law.
Consumer complaint received 2017-12-14
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. (AR)

I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.
Consumer complaint received 2017-12-14
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. (DE)

I am filing this complaint because Equifax, XXXX, and XXXX, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
Consumer complaint received 2017-12-14
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2017, I sent the attached Certified Letter to Experian. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Experian is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted. 
I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX. XXXX is NOT PHYSICAL VERIFIABLE signed contract by me. 
These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ). 
I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My account withthose creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

Requested wire withdraw at XXXX XXXX - XXXX XXXX, 2017 UTC in the amount of {$900.00} ( - {$25.00} wire transfer banking fee ) from Coinbase, Inc. and have not received the funds. Their online records show the wire " Completed '', however all attempts to contact their support have gone unanswered and I receive no response.