davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Company (PA)

X/XX/2017 XXXX XXXX XXXX sent a couple of bills to credit Credit management Company located at XXXX XXXX XXXX XXXX Pa XXXX ( XXXX ) XXXX. 
I disputed The debt collection due to XXXX XXXX never submitting claims to both of my medical insurance with XXXX XXXX and XXXX. They removed them from collections in XX/XX/XXXX and sent to be paid. Once again they sent straight to collections without even a phone call or letter for me to dispute or even set up a payment plan. I noticed it still shows the original date of collections filed XXXX XXXX/2017. But that was canceled and removed so the bills can be sent for processing. Once completed with the claims processing and payment to XXXX XXXX this would start over from XX/XX/XXXX as month 1. I contacted XXXX and once again claim it filed. I keep being advised from management co the original creditor have to remove from collections and was responsible to advise of the collection. I have not received anything from either parties after claims were submitted in XXXX 2017. 
Shows a balance of {$420.00} Re filed XXXX XXXX, 2017 not four months ago. This is a fraudulent charge
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I purchased digital currency from Coinbase.com on XX/XX/XXXX/XX/XX/XXXX respectively. They have taken my money ( {$1400.00} ) but have not issued said currency ( Ethereum ).
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings XXXX, XXXX have been reporting it, please help me to have them removed from their reports thanks
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I bank with Bank of America XX/XX/XXXX I noticed a transaction from a company I did not recognize for {$120.00}, I called the bank and advised them of this transaction and they were able to look back and see that the company has been taking money out of my account since XXXX. All the transactions are totaling up to {$6000.00}. 
The bank stated that they can only investigate the transactions that go back no further than a year. Those transactions equal up to {$1000.00}. 
I asked that when they investigate the transactions that fall within a years time will they be able to go back further to refund me the remaining of the unauthorized transactions but they stated they can only do a years time. 
This is discouraging due to the fact that they have taken so much of my money illegally I feel that may bank should refund me everything that was taken and not allow the previous fraudulent behavior to stand.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company is called Portfolio Recovery and they keeps on calling me, I have never done business with this company, I have talked to them many times and they keep on asking for other people names and I tell them that this is not me, but they keep on call, they will call from other phone numbers as I am reporting and placing the complaints and the company names is the same as Portfolio Recovery, this company has been reported as scammers, please have them stop calling me, they will not respect my wishes and the Federal No Call List. 

Thank you for all your help and support with the issue and matter.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

To whom it may concern, I have disputed inaccuracies and accounts on my credit file with Experian. I have sent all documents by certified mail and online dispute portal since XX/XX/2023. On XXXX XXXX, XXXX, a rep. from Experian said that they need more information from me why I am disputing items on my credit file. I said I will not submit anymore documentation. The rep said most of my documents got misplaced. My reply was, " that is not my problem. Everything was sent by certified mail. XX/XX/2023, I have received several emails from Experian requesting again my personal information to verify again it is me. I will not subject myself with this again. My rights as a consumer have been violated due to the fact these Credit Bureaus are not doing their due diligence in helping the consumer. Please do not send me any more emails asking for this and that when everything was sent certified mail. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
15 U.S.C. 1681i ( a ), If you can not provide proof, the original contract with my signed signature on it, the disputed accounts must be deleted by law. This issue has been way over 60 days.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2017-10-04
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)

I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to : 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Reporting inaccurate information The Credit Bureaus NEVER Did Proper Investigation according to the FCRA The term investigation consumer report means a consumer report or thereof in which information on on a consumers character, general reputation on, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information on. 
They did not do this. 


Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 
The credit bureaus stated this account was properly inves : gated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!! 



They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my written instructions on. 
I myself did not given anyone consent
Consumer complaint received 2023-03-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

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 correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2017-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Earnest Inc. (NJ)

On XX/XX/XXXX Earnest sent a payoff letter for an installment loan we had taken out via their website. The loan was in good standing and we never missed a payment or were reported late. The payoff letter clearly stated, " Balance : ( payoff now ) {$5200.00} ''. The letter further states that if paid on XX/XX/XXXX the balance would reduce to {$4800.00}. This loan was paid through a settlement at XXXX XXXX XXXX on Friday XX/XX/XXXX and the check was received by Earnest on XX/XX/XXXX according to the signature from the XXXX receipt. XXXX XXXX sent a check ( attached ) for the amount of {$7200.00} leaving a {$2000.00} overage. After contacting Earnest several times to receive the overage back, we have been unsuccessful in obtaining our money. We have spoken with XXXX and XXXX several times via telephone at XXXX, and although they are/have been extremely kind and cooperative, nothing has been done to honor their payoff amount, nor have we received any satisfactory account and return.
Consumer complaint received 2023-09-25
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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. (LA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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. (GA)

My total XXXX XXXX bill was due on XX/XX/23 in the amount of {$160.00}. I paid this balance IN FULL on XX/XX/23 the day before it was due. To my knowledge, this account was paid off and I no longer owed any money. Apparently, the next billing cycle, XXXXXXXX XXXX charged me {$3.00} in interest ( even though the total balance was paid off ) and they continued to charge me interest and late fees for 6 months without my knowledge that there was even a balance. They reported it to the credit bureaus on XXXX even though, again, I was under the impression this account was paid off in full. I never received any phone calls or emails saying that I had late fees or was late on any payments and it was not until I ordered a copy of my credit report that I saw this was on there. I have called XXXXXXXX XXXX  3 times and no one will help other than telling me to write a letter but I need this taken off of my credit report IMMEDIATELY. I can not believe XXXXXXXX XXXX has the audacity to ruin my credit over {$3.00} that I was unaware of!
Consumer complaint received 2023-08-16
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. (IN)

We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXX XXXX XXXX XXXX to all 3 credit bureaus requesting that the late payments be removed for 2 mortgage loans ( second one was ARM/balloon ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

As of XXXX, my employment with XXXX XXXX XXXX XXXX XXXX was certified as eligible employment for PSLF by FSA and documentation was given to me by XXXX, which I have attached below. 

Now that I have been switched to MOHELA, the servicer has informed me my job was not recertified ( XXXX XXXX unfortunately closed, and I imagine that is causing the confusion ), and that I have no recourse to prove that it was certified prior. If they refuse to assist me, or approve the recertification of my employment, then I will lose five years of my payments under PSLF. 

My job was XXXX  was also for a XXXX, which they denied. I have uploaded XXXX letters stating they are a XXXX and they simply marked the document as a " Duplicate. '' The letter was from a completely different diocese for a different employer. 

I have uploaded the completed and signed PSLF form to MOHELA several times, I have uploaded tax letters solidifying both XXXX XXXX XXXX  status, and MOHELA still states my job is not recertified when it had been prior. 

Every time I call them, they make me wait at least an hour and then provide little to no assistance in the matter. They refuse to tell me who I should contact to ensure my job is recertified as it was prior. 
It is obvious they will do anything to ensure I am denied PSLF and that my loans are forgiven as stated according to stipulations of the PSLF program. 

I have uploaded the XXXX tax exempt letters to my complaint.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have disputed this account numerous times. ALL of my XXXX XXXX accounts were paid. One was settled but still paid. This should not be reflecting derogatory on my credit report. Now since the update it has decreased my score significantly. This account was NEVER included in a bankruptcy.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated XXXX5 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!