davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (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. 

Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-25
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. (NY)

I believe there is an error in my credit report, as some of the information listed does not pertain to me. It appears that Experian and XXXX are not in compliance with the Fair Credit Reporting Act, as they have not removed these inaccurate items from my report. I am currently working to rectify this situation and ensure that my credit report accurately reflects my financial history.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MN)

EdFinancial has been lying to me and publicly reporting false information about me. I have spoken to EdFinancial at least a dozen times over the past year about this and sent them proofs, but they refuse to do anything about it. They say they have two accounts of mine which are open with balances ; however, they do not. They are also reporting this information to the credit bureaus. During every telephone conversation I've had with EdFinancial, their representatives acknowledge that I do not any open accounts with them and that this should not be happening. They also say they will forward the information to their credit investigations department so it will be updated and that someone will call me back to confirm this. None of this ever happens. I have also disputed these accounts with XXXX, XXXX, and XXXX with hope they will resolve the situation ; however, EdFinancial just keeps telling them the accounts are open with balances. Here is the short history : EdFinancial briefly serviced my loans on behalf of the Dept of Education over a year ago ; however, both my loans were transferred to another loan servicer, XXXX ; and soon after the transfer occurred both my loans were paid off. Both XXXX and the DEPT of Education verify this, but EdFinancial refuses to update their records and correct the information on my credit reports.
Consumer complaint received 2018-04-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (NJ)

Continuance of prior complaint XXXX I went through 3 different collections agencies harassing me for this debt, each time disputing the validity and all they did was sell it to someone else. The last company finally sent it back to PNC and removed it from my credit report. I thought PNC had realized its error when the reference was removed from my credit report. I have never had a loan with PNC Bank and received no notification of any loan being sold to them, and all of my student loans remain with my original lender. PNC Bank ( XXXX XXXX ) sent me a letter on XX/XX/XXXX saying she was investigating and would revert via mail. That is the sole contact I had from PNC, even after filing a complaint here, with the PA XXXX XXXX XXXX and PA Attorney General. Then a week ago I received a letter from XXXX XXXX XXXX obo PNC Bank saying the loan at issue here had been cancelled and implicates my taxes. Today, I received a letter from the IRS. I am very upset and angry with PNC and that this is still going on, 2 years later from my complaints, which were already at my wits end from bullying and lack of any substantiation whatsoever from PNC that this debt is actually mine ( because it is NOT ). That started XX/XX/XXXX. It is impossible to respond to, at this point, the demonstrable bad faith and utter malfeasance of this enormous bank. I require your help, yet again from this horrible and unethical company.
Consumer complaint received 2018-04-10
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX XXXX XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor XXXX XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I contacted USAA five months ago regarding fraudulent activity/ identity theft on my credit report from their Organization. After submitting the claim 4 separate times ( since XX/XX/XXXX ) with backup documents including a police report they have closed each request/claim stating no fraud found. During the course of my submissions I continuously have to call back to obtain status updates - they only contact me for collections ( 2-4 times a day ). Ive been put on hold more then 10-15 minutes, transferred numerous times and been disconnected every single time Ive tried to obtain status on the claim ( 17+ times ) since XX/XX/XXXX. In XX/XX/XXXX alone Ive called and/or submitted to USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Police Reports, account breakdown and the Federal Trade Commission backup. Ive spoken to the Executive Fraud Department ( ERT ), Identity Theft Dept, Fraud Dept, Consumer Lending and the Credit Card Fraud departments. None of the information seems to be visible to other departments nor do they know how to address the fraud issues to provide specific feedback.
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (NJ)

Mechanical issues with this vehicle started at XXXX miles ( XXXX ). I reported the issue to the NJ XXXX, GM and GM Financial who financed the lease. I have repeatedly returned the vehicle for service to the dealer to address the issue, which appears to be electrical or computer related. The issues experienced could jeopardize my safety, since the car stalls at random, which could place me in a very dangerous situation on a highway or at a busy intersection. The lease agreement is for 48 months commencing on XX/XX/XXXX, and I have repeatedly requested GM to either replace or release me from the existing lease obligation, which they refuse to do. The end date is XX/XX/XXXX. I have all receipts in date order and can provide all information required to support my case. The most recent incident with the car occurred on XX/XX/XXXX, where the car stalled yet again while out on errands. The car currently has 46,000 miles, of which approximately 1,000 miles have been placed on the car by the dealer to assist with issue identification. XXXX XXXX has the vehicle and I have been working with one of the service managers to address the issue.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MN)

No valid reason, all conflicting lies, no evidence to their hearsay. OPM credit restoration will seek the damages from Citibanks behavior. Written notices have no reason. Citibank is holding money for no reason other than that they have shown to me they hate XXXX XXXX people, called me XXXX XXXX, accuses me of fraud for filing the first dispute ever with them and their so called zero liability. Only zeros I saw was zero liability for Citibank. Conversion and Discrimination at its best, all you have to do is listen to the 40 plus hours of phones calls I made and hear the unorganized chaotic mess, lies, and retaliation the Citibank representatives bestowed upon me and my family. I still belive the actions one or two indivuals set the Company that I loved to one that I can not believe treated me like this. Attached are corespondence, still as nothing is wrong with my accounts. Notice the closure letter is XXXX and XXXX, whomever did this is the person responsible, they also werent brave enough to tell me because they know what they did is not right. I have to change my name because of uneducated racist individuals. Btw to all readers, The Bank is the Law. Nothing will happen from this report as it never does. But it does feel good being brave enough to speak the truth rather than hiding behind your office chair and messing with consumers lives.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo checking account in XX/XX/ 2017 under the terms " open a new wells fargo checking account, and have 3 consecutive months of direct deposits of $ 1500+ or more to receive a bonus of {$300.00}. I have had more than 3 consecutive months of direct deposits ( each over {$1500.00} ) but still have not received the bonus! Wells Fargo has told me to wait 45 days after completing terms for bonus. It has been 3 months since completing the bonus and still have not received the account opening bonus! Wells Fargo is not delivering the bonus they promised me when I opened my account. They are misleading and running a FALSE promotion!
Consumer complaint received 2017-06-08
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: HW Holding, Inc (FL)

XXXX   XXXX ,   XXXX  ,  Hunter-Walfield Inc   XXXX   XXXX   XXXX   XXXX   XXXX  Florida  XXXX  placed a debt on my   XXXX   credit file.     I, was notified by  XXXX  of this action by  Hunter-Walfield Inc  on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX   I spoke with Hunter-Walfield and according to them they placed this debt on my file because my name is the same as a debtor from  XXXX  Florida.     They also informed me that they did not have any personal information on the debtor from the creditor. No!   SS #   or    Date o  f Birth  ,  just a name.      Hunter-Walfield Inc  never reached out to me, before taking this action against me.     They are blindly posting debt to my credit file. This type of action needs to stop!
Consumer complaint received 2018-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (MD)

I had two accounts that were with XXXX. I disputed them both. XXXX removed one of the accounts from my credit and sold the other to an agency. I paid that account off and they removed it from my credit. A few months later the other account was sold to another agency and put back on my credit. I called to get the account resolved. They said that it would not be listed as a collection account if I paid it. They said it would show settled in full with a XXXX balance. The account has been updated to paid but remains in collections. I was told that it would be fixed, then I was told it will not be corrected, and then I was sent to a manager voicemail that has not called me back. The company lied to me and hung up a few times. They apologized but the account has not been fixed. Now I am requesting that the account be removed from my credit since it has been paid and the company lied as a way to get me to pay it off.
Consumer complaint received 2018-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (CA)

Sometime last year in XX/XX/XXXX someone used my social security number to obtain cable but never paid for it and now its a XXXX $ collection debt in my name thats preventing me from being able to get a house. Over these past months I have been calling to try and get this off my credit since Im didnt create this debt and havent had no luck
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I initially contacted Portfolio Recovery Assoc, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA on XX/XX/XXXX regarding the company reporting a collection account from XXXX XXXX  Account Number : XXXX Amount:XXXX  that doesn't belong to me. I provided the agent with my SSN and was told there wasn't any accounts under that SSN. He then asked me for DOB and phone number. Which I provided and still nothing. I then provided him with the account number from my credit report. He was able to pull up the account. He stated that the debt was from XXXX and it has my phone number and dob. However when I provided my DOB and Phone number at the beginning of the call he couldn't pull it up. Well I just received my phone number on XX/XX/XXXX so theres no way that the phone number was provided in XXXX by me. Also he stated it was my DOB but the SSN didn't match. Theres no way the debt is my debt. The address doesn't match any address I have lived at. He then admitted they ( Portfolio Recovery Assoc ) are in the practice of updating the information on accounts ( such as the DOB and Phone Number ) from what it was originally which seems like unethical practices ( the DOB and Phone Number ). I requested to speak with disputes and was given a false number and told someone would contact me which never happen I called XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. What no avail. I also disputed the information with XXXX. But after they have unethically updated the information to match my information XXXX  did not remove the record.
Consumer complaint received 2018-06-28
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. (TN)

XXXX ). On XX/XX/XXXX, I sent my first round of dispute letters to Equifax Credit Bureau, XXXX XXXX and XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, all three bureaus had 30 days to delete all fraudulent information from my credit report. 
XXXX XXXX. On XX/XX/XXXX, I sent three stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. A letter to Equifax Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, a letter to XXXX XXXX, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, and a letter to XXXX Credit Bureau, by XXXX. Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. These were my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$3600.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$160.00}. My first round of letters for XXXX XXXX, which they were suppose to remove : 08 XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. And my first round of letters for XXXX Credit Bureau, which they were supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$36000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$33000.00}. XXXX, XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$31000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. 
XXXX ). Equifax Credit Bureau, XXXX XXXX and XXXX   Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Consumer complaint received 2018-06-28
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)

On XX/XX/2018 I sent a letters to Experian and XXXX   disputing the following items XXXX XXXX XXXX for {$860.00}, XXXX XXXX XXXX for {$550.00}, XXXX XXXX XXXX for {$6400.00} advising that I have no knowledge of the debits. In my letter I stated I was requesting a signed confirmation with my signature that I opened the referenced accounts. Under the Fair Credit Reporting Act, 15 U. S. C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file at the time of the request concerning all the accounts that are reported on my credit report. I saw where they removed XXXX XXXX XXXX from my report and then they added it back to my report. As of XX/XX/18 no one has notified me about my dispute or submitted any documents to me with my signed signature for all three referenced accounts. I am requesting that all three accounts be removed from my credit report immediately by publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. I am attaching a signed copy of the letters that was submitted to Experian and XXXX.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd. (MD)

I filed for business and personal bankruptcy 3 years ago and this agency continues to call over a debt that occurred after that. The agency calls daily and leaves messages. When I spoke to them personally they were aggressive and rude. The agency is Harris and Harris.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

Ive been trying to remove all Inaccurate address from my Experian Credit report, and put the Correct address that i live at. Due to the FCRA i only should have one address on my credit report. The previous address thats on my credit report i dont not reside at them addresses and ive sent to letters experian XX/XX/XXXX, XX/XX/XXXX they received both letters about updating my new address and send them a my license and tax documents confirming my updated address but they wont take off the Innaccute addresses
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

My student loan that has been PAID IN FULL continues to be passed around. One company said they stopped servicing it and gave it to another. Another company said they had it for a short while and now don't know where it has gone. One company said they got it because it was in DEFAULT status, which is NOT ACCURATE. It was PAID IN FULL and I have documents showing it was paid in full. 

I am not sure how or why this inaccurate information continues to get passed around and continues to show up on my report, but it needs to stop PERMANENTLY! 

I have PAID MY DEBT IN FULL!
Consumer complaint received 2017-06-09
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: Experian Information Solutions Inc. (CO)

On  XX/XX/XXXX  I called Experian to have them remove a debt that has been reported on my account since  XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor Experian could remove this item. Knowing the laws and my rights, I was very unsettled to hear that Experian does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General ' s Office of C olorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for Experian to stop reporting this debt ASAP according to  Federal law .  <P/> Account that is past this 7 year record retention is as follows :   XXXX   XXXX   XXXX   XXXX   Acct # :  XXXX  Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and   XXXX    with a s tart date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX