davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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. (OH)

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1800.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} My information may have been impacted by the XXXX Data Breach and XXXX data breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I am the Commisioner of XXXX Ohio I have paid every loan and credit card I ever had without missing a payment I do not recognize these cards Nor do I recognize these inquiries on my account I decide to check my credit as I received info about a data breach realizing there were these collections I never saw also I see the collections are very old pass Ohios date of deletion so why are they on my credit
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXXXXXX has not updated my account information nor payment details in 2 months. They have now falsely reported my account as delinquent & past due to the credit bureaus, which has now affected my credit. 
I've been on a special payment plan with a minimum payment of XXXX XXXX monthly, since XX/XX/scrub>XXXX  However, XXXX  XXXX have not honored my new payment plan, nor updated my account information/status! I've never made a late payment on my account and have always made the minimum payment due or more. I've contacted their customer service department multiple times about updating my account information & minimum payment due. But I was told that I have to wait at least 90 days and make 3 consecutive {$55.00} payments, in order for my payments and account information to update.
Consumer complaint received 2024-09-30
Product: Credit reporting 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. (CA)

I am writing to request the removal of unauthorized inquiries listed on my credit report, as they do not reflect my consent and are negatively impacting my credit standing. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I have attached any relevant documentation to support my claim. Please investigate this matter and remove these inquiries from my report at your earliest convenience. 

Thank you for your attention to this issue. I look forward to your prompt response.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS PORTFOLIO RC XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from PORTFOLIO Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted an application for the business XXXX XXXX card and was subsequently approved. 

After receiving the card, I attempted to sign up for online access to the account through Capital Ones website but was not successful.

When I called Capital One, I was told that the Social Security Number associated with the account was not correct. Given the error, I assumed I inputted the Social Security

Number incorrectly. However, when I looked on my credit report, a hard inquiry wa
s made which suggests that I inputted my Social Security Number correctly and somehow/someway it was altered or changed on Capital Ones side.

Since it is not an easy process to fix Capital Ones error, I decided to cancel the card without ever using. 

Given the nature of error occurring on their end, I asked them to remove the inquiry but are refusing to remove the hard inquiries despite the mistake that they have clearly made.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a to responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2023-07-19
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. (CA)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CT)

I received information from my credit report this company Jefferson capital system is attempting to collect a debt XXXX I do not owe. This alleged debt appeared on my credit report I've never received any letters of attempt to collect validation of debt from Jefferson capital system which is a violation of FCRA. This is not my debt I request this false debt be removed immediately from my credit file.
Consumer complaint received 2023-07-17
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (NY)

I received a letter in the mail a few weeks ago from a collection agency saying I owed {$700.00} to Paypal. I immediately called the collection agency to dispute it. I received another letter in the mail on XX/XX/23 saying I owed them money. I called the debt collection company on XX/XX/23 and disputed it again, I asked them what proof they needed to prove this debt was not mine. They directed me to ftc.gov.
Consumer complaint received 2023-07-19
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. (GA)

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.

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 2024-02-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (MI)

I have disputed this medical debt twice already w/ the previous collection agency ( ABILITY RECOVERIES LLC ) & they finally seized action w/ their illegal aggressive tactics just to sell the debt to their partners in crime. Again, this medical debt is fraud. 

( NOW ) XXXX XXXXXXXX & their buddies have all threatened me w/ destroying my credit I worked everyday to uplift, maintain & grow. They keep harassing me STILL calling me derogatory names & insist I pay them or theyll take countless of actions on me so I that I wont have no other choice but to pay. 

I dont understand how collections of this nature are still around. They make a living off fraudulently buying debts from low class corporations & illegally harassing us consumers into feeling helpless enough to pay them. 

To provide further information on the debt : My XXXX insurance that I was covered for & provided XXXX XXXX  ( XXXX XXXX ) has no knowledge or record from this hospital visit. 
XXXX XXXX ( XXXX XXXX, MI ) simply didnt send ANY medical bill/documentation to my insurance provider! 

I gave ( XXXX XXXX XXXX XXXX ) my XXXX insurance phone number that Im covered under w/ co-pay & the deductible during my visit. 

If you look on the itemized bill that the previous collection agency ( ABILITY RECOVERY LLC ) provided on my previous claim through you ladies & gentlemen ( CFPB ) ; It is not my cell phone number. 

It is the phone number ( mothers ) that I had & STILL have with my HAP medical Insurance that I GAVE them during my visit. I gave them my insurance ID number & everything. 

BUT they FRAUDULENTLY billed it under a tricare insurance I DID NOT provide them to collect profits from me. Ive never in my life had any medical insurance issues ever. Been serviced great by XXXX Insurance my entire life. Multiple visits throughout my life and EVEN in 2020 I had my XXXX insurance & cover me w/ no issues once so ever. 

Biggest regret of life is being transported to XXXX XXXX ( XXXX XXXX ) for medical attentioncomplete fraudsters. Now I have these collection agencies preying on me for the last 3 years. Enough is enough man.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paxful Holdings, Inc. ()

I created an account on Paxful ( bitcoin trading app. ) On XX/XX/year>. On XX/XX/year> I received an email stating - " Your account has been banned permanently for a Terms of Service ( " ToS '' ) violation. Specifically for Other unusual or high-risk activity.

Your account access is restricted and existing funds are available for withdrawal.

Unfortunately you will not be able to appeal this decision. '' I have not received any attachment regarding the same.

I have not done any such activity as I have only done a few trades barely XXXX XXXX. I don't know how this allegation was made on me. I also tried connecting with the Paxful team to share my concern but I didn't get any email or contact number to reach out to them. I connected with the XXXX  then, but didn't receive any satisfactory response.

I am also unable to withdraw the amount I had in my account. Need help regarding the same.
Consumer complaint received 2023-07-19
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. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXXXX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This complaint is against W. Fargo and their XXXX XXXX XXXX XXXX. XXXX XXXX is the Escalations Manager / Supervisor over the XXXX XXXX XXXX XXXX, at Wells Fargo. This should be a Solution Focused, Customer Friendly, department within Wells Fargo. Ive been involved with this department for 14 plus months, and have experienced many different Executive Office Case Specialists. They do not believe in communication which is an important component of any Resolution. This department refuses to return phone calls and Emails on a continual basis. So how is this going to achieve an agreeable Resolution??? This approach simply adds more blemish to the already destroyed W. Fargo Reputation!!!
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA (LA)

I have been employed in public service for over 20 years and in student loan debt for just as long. Specifically, I have worked in public service at a qualifying employer prior to the implementation of PSLF in XXXX  until now. As such, I would have been eligible as of XXXX. Fed Loan was my loan servicer. As a loan servicer, it was difficult to get information about PSLF/repayment plans as well as their ever-changing criteria. I was always told I had the wrong loan type or repayment plan resulting in my payments not counting towards PSLF. 
The Cares Act suspended student loan payments and waived interest between XXXX and XXXX. However, I made consistent payments during this time. Additionally, I was able to qualify for loan forgiveness solely due to the temporary changes made to the Public Service Loan Forgiveness ( PSLF ) program between XX/XX/XXXX and XX/XX/XXXX. 
In XXXX, my loans were forgiven and I was determined eligible for PSLF as of XXXX. As I believed my eligibility date should have been XXXX, I sent verification of my qualifying employment during XXXX to FedLoan and Department of Education as they both instructed for reconsideration of my PSLF eligibility date. As stated, Ive gotten emails from FedLoan indicating that there was a refund of payments that supposedly came in a lump sum but they refused to provide additional information such as deposit details or verification. I have filed complaints about them with the Department of Education to no avail. 
Neither corrected my PSLF eligibility date NOR issued a refund for any and all payments made since XXXX. Immediately upon being notified of the forgiveness, I no longer had online access to view my payment history on FedLoans website. I attempted to contact FedLoan by phone and email spending countless hours on hold and back & forth emails with no resolution. I am due a refund for overpayments since XXXX. Fed Loan redirected me to the Department of Education, and vice versa. FedLoan insisted they issued a refund but provided no other information and consistently redirected me to the Treasury Department. I am due a refund in excess of {$12000.00} plus interest. They should incur the same late fees and penalties we have to incur as borrowers in this student loan debt scheme. I am long overdue a refund for all overpayment/payments made since XXXX. 
Conveniently, FedLoan discontinued their loan servicing while outstanding debts are owed and transferred accounts to XXXX. I have made several efforts to contact FedLoan Servicing prior to their discontinuation of loan servicing. I was told my account would not transfer to XXXX since my loans were forgiven, however, I received correspondence from XXXX stating that my PSLF is under review. I contacted XXXX by phone for additional information but there is no record of me/my accounts in their system. There continues to be a lack of communication and transparency.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

This is XXXX XXXX with new & updated information about my recent complaint XXXX. This is my third attempt demanding FirstPoint Collection Resources, Inc.once again to stop all communication with all third parties- XXXX XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1692c ( b ). Failure to delete both negative trade-line immediately shall result in legal action pursuant to 15 USC 1692k for non-compliance of the FDCPA.
Consumer complaint received 2023-07-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I never received any written response to any of my disputes cases to my address of XXXX XXXX XXXX XXXX XXXX, FL XXXX ==== You guys are not doing what you are suppose to do.=== CFPB case # XXXX I do not want to use your dispute tool, your tools are powerless and very limited in resolving.