davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX, XXXX and Experian are showing inaccurate information on my credit file a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

XXXX, Equifax and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and wellsfargo is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I have called XXXX, Equifax and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/XXXX.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

While viewing my credit reports I noticed a negative mark from the following company Portfolio Recovery who I have never done business with. 
For One I do not have a contract with this company, second this company has never provided me any funds, money, property etc which I would owe a debt to them. 
Portfolio Recovery has caused me great harm by reporting unverified, inaccurate information to the credit bureaus. Which is a violation of FDCPA 15 USC 1692g. 
This company has never provided any proof of debt or transaction between myself and the company but they are reporting to the credit bureaus negative information. I also never gave this company consent to my personal information to used to try to gain a profit, Which is also identity thief. 

This company has stolen my identity for profiting purposes and violated the FDCPA.
Consumer complaint received 2017-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Today, XXXX XXXX,2017, I tried to access my XXXX report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the XXXX data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the TransUnion report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.
Consumer complaint received 2017-09-15
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. (NM)

Companies : XXXX, Experian, and XXXX Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC (TX)

I contacted capital accounts about a medical collection that was on my credit report by an error. I provided statements where it showed the account was at a XXXX balance. I called them back to make sure they had received my documents and to make sure they will delete it off my credit. The agent was not able to help me and transferred me to a supervisor. The supervisor was very rude and condescending. I have never been treated and disrespected like this before. When I asked to speak with someone else he hung up the call. Please review the call and review the tone and language used to speak with me. He needs to be disciplined or terminated. Someone like him should not have any contact with consumers.
Consumer complaint received 2017-09-15
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 have multiple problems with the latest Equifax breach. 1 ) I was already the victim of the breach. Someone stole my credit card information. Fortunately, my bank is awesome and caught the fraud before I lost any money. 2 ) Why the XXXX did it take so long for Equifax to alert the public?! 3 ) Why do I have to shell out {$10.00} a piece to each agency to freeze my credit? I understand that that is an optional step ; however, I would rather be safe than sorry. I am in my XXXX with kids and have many needs still for a solid credit score. This is money that should come out of Equifaxs pocket-NOT MINE! 4 ) When I did go to each website to freeze my credit, only XXXX website was operational. The only thing I can deduce is that these multi-billion dollar companies are employing a bunch of teenagers to run their technology departments. First Equifax loses personal information on half of America, knows about it for 3 months without disclosing, THEN ( the cherry on top ) theyre not even prepared for the fallout. What a bunch of total IDIOTS!
Consumer complaint received 2017-09-15
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 was an AUTHORIZED USER on a XXXX XXXX credit card. I never made a single charge on this account. I disputed it with the three bureaus but Equifax left it on my file. This is a violation of my rights under the Fair Credit Reporting Act. I do n't have the complete account number since I obviously never had a card. But the partial account number is XXXX
Consumer complaint received 2017-09-14
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. (MS)

XXXX AND TRANSUNION  IS REPORTING AUTHORIZED INQUIRES ON MY CREDIT REPORT.
 THE COMPANIES FROM XXXX ARE: 
XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Check Cashing Service XXXX XXXX XXXX XXXX XXXX, UT XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) 3XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Clothing Store - non specific
XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
Mortgage Reporters
XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX, IN XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX, MS XXXX
(XXXX) XXXX
  THE COMPANIES FROM TRANSUNION ARE:

XXXX
Inquiry from XX/XX/XXXX
+
Finance XXXX
Inquiry from XX/XX/XXXX
+
Bank XXXX XXXX
Inquiry from XX/XX/XXXX
+
Misc.
XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
Consumer complaint received 2023-08-01
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)

I am interested in processing disputes on my credit report to delete an remove all information submitted in the files with experian. checking my credit report ive noticed alot of errors that need to be corrected. this is my 2nd attempt tp delete an remove these requested items. please review an remove all the listed items in the files to clear an correct my credit report asap.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report recently, I was surprised to find that the XXXX XXXX XXXX XXXX  changed my account status to current. 

I was never notified that it had been delinquent within the 30-day grace period or even after. When I looked at the app, nothing showed as delinquent, and it told me that I could pay early. 

I have previously received notice of delinquency shortly after it was late ( a circumstance arose from charges placed right after I had paid the whole card off ). Additionally, XXXX XXXX XXXX reported both the delinquency and the newly paid status in the same month, so I can guess there was probably some confusion on their end. 

If you look into my history with this card and bank, you will see that I have never had issues with payment in the multiple years I have been a customer.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

About the Equifax breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through Equifax to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs immediately!
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TX)

Sir/Maa 'm, I am currently a in the XXXX XXXX XXXX XXXX that was called to XXXX XXXX in support of our war on terror. I began my tourXX/XX/XXXX and was released on XX/XX/XXXX. I have always in the past had my credit cards set up on the Auto pay system so that I never miss a payment. Unfortunately for an unknown reason, my Chase Slate CC fell off of the Autopay system without my approval. During my XXXX I was notified by my creditors of my enrollment into Service members Civil Relief Act. As a service member most of my benefits began XXXX months before I XXXX and continued for XXXX months after I returned. Unfortunately this does n't apply to the Credit Card companies. During my XXXX I still made some payments on my account without realizing that the Autopay system was disengaged. Last month I finally realized the error and immediately made a payment and once again set up the Autopay system. I am currently pursuing a refinance of our home and was informed that my credit score had significantly dropped due to Chase reporting a 30-day late to the credit bureau. I have always had really great credit and have been with Chase since XX/XX/XXXX. I did call and talk with a credit specialist at Chase and was informed there was nothing that they could do and they would not remove the mark on my record. I did explain my concern and asked if they would apply a 'Goodwill Adjustment '. The representative said again there was nothing they could do for me. After this error occurred I immediately reviewed all my accounts to confirm everything was setup correctly. I hope I have explained this accurately and there might be a way I can have this 30-day late remark removed off my record. Thank you for your time and looking into this matter for me. 

Sincerely, Me
Consumer complaint received 2017-09-15
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. (TX)

I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, they are not associated to any of my accounts. 
XXXX-entered twice XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-10
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE 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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from Experian and XXXX. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I  XXXX   XXXX  files a dispute with the Consumer Financial Protection Bureau to request a review that my rights to a mortgage modification be protected. For approximately one year I had an attorney file two Chapter  XXXX  bankruptcy petitions on my behalf, when all along I could have been protected by the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,   XXXX  . There was no reason for me to be personally injured as far as my credit standing goes, since a mortgage modification would have been so easy to accomplish. For this reason, I want  Wells Fargo Home Mortgage on notice that I will be submitting a full modification package, requesting principal reduction and a placement of back interest to be applied on the back end of my mortgage. Since I will be request a modification package, I request that Wells Fargo Home Mortgage respect my rights and maintain a hold on any foreclosure notices as mandated by the Fair Debt Collection Practices Act. Accordingly, I place this notice so that the Wells Fargo Home Mortgage division is aware of the seriousn ess in my modification request.
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Adler Wallach & Associates, Inc. (LA)

AWA Collections talks to people like they are  XXXX . They have terrible attitudes and offer absolutely no help. When you ask to speak to a supervisor all of a sudden whoever you are talking to turns into the supervisor. I guess it is ok for them to hang up on you multiple times, deny they did that at  XXXX  point, and laugh when you start questioning charges. They make snuddy remarks about why your account is there as well. When asking about charges and could I receive a copy of them I was told if I had paid my bills I would n't have to be calling them. Yeah you 're right but in order to pay the bills you actually have to receive them first!!! The federal government really needs to look into these companies! The ONLY reason I found out about these accounts is I was in the process of buying a house. THIS BY FAR IS THE WORST COMPANY I HAVE EVER HAD TO DEAL WITH!!!!!! Most companies are willing to work with you or settle if you can make a full payment I was cut off and told they do n't have to work with me at all they are n't there to help me. How   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   You should always be willing to work with people!
Consumer complaint received 2024-10-10
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. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2017-05-09
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. (KY)

On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in   XXXX   day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Consumer complaint received 2024-10-10
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.