davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2024-09-26
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. (IL)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

XXXX dropped me XXXX points over a late payment to XXXX. Reporting late payments is illegal see FCRA. Also this was not a late payment it was a new loan with kikoff. My Equifax was supposed to raise my credit score due to my first loan being paid off with XXXX and yet they never raised my score by over XXXX points like they were supposed to after all loans were paid off. Its was never corrected and additionally dropped me XXXX points over inaccurate info so altogether I lost over a XXXX points over inaccurate info.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC (MI)

Basically, they call Monday through Friday ( anywhere from once to ten times daily ) from a multitude of deceptive phone numbers to harass me about credit card debt. They have been doing this for weeks, if not months. Today ( XX/XX/2019 ) I responded to their call ( around XXXX PST ) and expressed to the gentleman I spoke with that I was not to be called again, as their calls are extraneous and becoming harassment. 

I then received a phone call at XXXX XXXX, not even three hours later, from a different phone number but the same company, Sunrise Credit Services. This time it was a woman and she tried to do the same exact thing as the gentleman before. I got her name and her information, and proceeded to tell her that I will be filing a lawsuit since they have ignored my requests to stop calling. 

Disgusting business practice, these people should be behind bars.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-25
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. (NV)

This complaint is against Experian Credit Bureau and is being sent to the XXXX XXXX XXXX along with the Consumer Financial Protection Bureau. 
Now, Experian has a TV ad which has been playing on the Television ( TV ) during the month of XXXX, 2019. Experian is offering a free credit boost to all consumers which does not state any requirements. Then, on XX/XX/2019, I went onto Experian.com/boost, onto my Experian account and tried to get a free credit boost as it was advertised on TV. When I got onto my Experian account, Experian requested my private information such as utility bills payments and bank account information which violates consumer privacy rights! Please see exhibit 1, 2 and 3. Per state laws, when companies advertise, they are required by law to honor there advertisement! Nevada law, NRS 207.175 states ; making any false or misleading statements through TV, radio, publications, websites or in person is a violation. Now, how can consumers know if Experian will lawfully/unlawfully use consumer bank information? Experian has clearly violated consumer rights, falsely stated that this credit boost was for free and requesting information on consumers which Experian does not have the right to have and the information that Experian is requesting does not pertain to credit purposes! Banking information along with utility bills are not required for credit purchases. Experian does not have the right to have bank information along with utility bills on consumers. Experian must be held accountable for their actions including but not limited to the following ; fines being imposed, provide free credit boost as advertised without any requirements, loss of business license, criminal charges filed, lawsuit, compensation to victims.
Consumer complaint received 2024-07-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I was sent an American Express gift card as a birthday present containing {$250.00}. When trying to use it I found out it doesn't accept most stores/companies and will decline even though I had enough money. I tried logging into the account with the info I was given and the website would say there was an error which ended up happening everytime I tried to log in. I called customer service to explain the problem and they were very quick to tell me there was probably insufficient funds, but when I told them there wasn't, they just said it probably just doesn't work on the website and didn't even try to help with the problem I had when logging in. So now I have no info on how much money is in the account as I can not log in, as well as money just sitting there that I have no access to.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-11
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 closed my account which is a XX/XX/XXXX and magically it reappeared on my credit report and experian and equifax keep validating an old closed account as a new opened acount with XXXX.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

The properly updated my address information ; however, they have my past address as my current and my current address as my past. They need to switch that. Also, I have not worked at XXXX XXXX XXXX since XXXX. That should just be deleted. All employers need to be deleted because the prior one They list only list my title and that was with the XXXX XXXX XXXX XXXX through the XXXX XXXX I am no longer working since XXXX. Over a decade
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-03-15
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: Medical Data Systems, Inc. (GA)

Medical data systems has attached their company to my credit report. I do not have knowledge of this company nor do I have a debt with this company. I do not have a contract with this company. I have requested multiple times that this company provide myself with a copy of a signed contract, and a copy of my drivers license. I have requested and never received this request. nor my debt validation request.The credit Bureaus continually allows Medical Data Systems to keep this bogus on my report without providing me with my validation request. During the time of this alleged debt, it would not be applicable to me anyway. Due to the fact that I was impacted by a Natural Disaster during the dates the company have attached to my credit report. Medical data systems has also illegally placed a lien on my home. I have no contract or debt with this company! Medical data systems has a history of attaching themselves to peoples credit report and ruining their credit all while knowing that these debts are not valid. Please immediately remove this off my credit report. Also Please provide the validation proof I requested.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PNC Bank N.A. (TX)

I applied for a credit card at PNC Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to a mistake by the banker, XXXX XXXX, in entering my address on the application form, I did not receive the card for a month. I visited the bank at the end of XXXX to inform them of the issue. 

They acknowledged the address problem and corrected it. They advised me to call the bank 's credit card department after three days if I still didn't receive the card. When I called, they informed me that there was no credit card issued in my name. 

At that point, I decided not to pursue getting the credit card. However, on XX/XX/XXXX, I received a credit card statement in my mailbox showing a {$6.00} charge ( $ 3 monthly fee and {$3.00} paper statement fee ), when XXXX fill my application, she didn't asked I want paper or online banking for this credit card. I even have online for my checking account here. 

I visited the bank today and spoke with XXXX XXXX about the charges. She informed me that I would receive the credit card within three business days. I questioned why I was being charged before I had even received the card.

They explained that the credit card was issued last month, so I am required to pay the fees. However, I believe that I should only be charged if I had received and used the card. Since the bank failed to deliver it on time and I never used it, I feel the charges are unjustified. 

I am filing this complaint with the Consumer Finance Protection Bureau about the staff at the PNC Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

I filed a previous complaint on the company due to their payment system being broken and them harrassing me with calls. I have had nothing but issues trying to make a payment. They have since retaliated against me due to my first complaint have locked me out of the system to make payments. They use a third party vendor for payments and I have filed a complaint against them due to them hanging up on me because the agent was telling me how she never misses payment and was being rude and condescending. 
I have emailed Ally multiple times and they do not respond. I have also asked for a copy of the complaint more than 30 days ago and they have yet to respond. They are retaliating against me for my first complaint and making my life miserable.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo allowed someone other than myself to hack into my online banking on XX/XX/year> and do the following : * Change my password at XXXX XXXX  * Change my phone number at XXXX XXXX * Activate XXXX ( which I had previously disabled ) at XXXXXXXX XXXX * Add the XXXX email address at XXXXXXXX XXXX XXXX Make two XXXX transactions to the above email address of {$490.00} & {$500.00} from my Savings Account Wells Fargo has repeatedly denied the claim and refused to refund me my money as recent as XX/XX/year>. The incident on XX/XX/year> was the third time my Wells Fargo account ( s ) were hacked since XX/XX/year>. Two previously claims were approved and I received my funds back. 

Wells Fargo denied the XX/XX/year> claim saying the transactions were made by two devices recognized as being used in precious transactions. I asked for the device descriptions but was only provided two device numbers : XXXX & XXXX. I would like to know which devices these numbers correlate to. Wells Fargo refused to identify the two devices to me. 

I have since begun closing out Wells Fargo accounts and moving to another bank. 

I filed an active police report with the XXXX XXXX XXXX Florida Police Department ( Case # XXXX ) which is an ongoing active investigation.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

At approximately XXXX XXXX on XX/XX/2018 I placed a call to equifax at XXXX. After explaining that I had received a credit alert notice on my XXXX account and wanted an explanation of the issue, the rep named XXXX said he had to place me on hold for " research ''. After leaving me on hold for four minutes, he came back on and said " our system is being updated right now ''. So I said " Are you telling me you can not access my account now? '' He said, 'our system is being updated '. I said it was a yes/no answer and we went back and forth. He refused to answer me. I asked to speak to an advisor, he came back on after three minutes to say no one was available. I again asked to speak to a manager. He transferred me to the " manager ' desk which had a message on it to leave a message and I'd be called back in a day. This is ridiculous! First they have a breach of my data, then they offer me free protection on my account, then they won't access my account. Infuriating.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (OH)

XX/XX/2017 I signed up with Freedom Debt Relief, since that time they've paid off one credit card and I have about nine others to go. There are two cards that are aggressively pursuing me, one has already wiped out my entire account the other is going after my work pay. During this time they've been completely silent, even accused me of not turning in paperwork, which I did several times. I called FDR they said, I will have to handle the two cards on my own. I told them, " this is what I pay you all for '', to that they said there was nothing that they could do. They are not even making phone calls to the companies they're just watching me drown while still profiting off of me. Of the $ XXXX that I have paid them to date, I can account for {$7500.00}.
Consumer complaint received 2024-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I have been paying aggressively on my student loans since the mid XXXX 's. I graduated in XXXX but began paying around XXXX. In XXXX I finished grad school and consolidated my federal loans and have paid continuously, mostly double payments for decades. I should only have maybe 2 years left to pay. I have been ignore and locked out for some time now despite calling, texting, emailing and sending in web inquiries for several years now. 

After finally being able to log into my account despite my social security number being not found and my account virtually wiped out and replaced with a one year payment history and ED financial adding on another TWENTY YEARS to my repayment without notice or authorization to make changes to the terms of a loan that should have been paid off with my aggressive payment history. 

I do not believe it to be an coincidence that when I asked for principal and interest and payment amount allocation info, suddenly nearly 30 years of on time payment history is suddenly erased and my previous payment on my loan now adds another 20 plus years making my pay off XXXX despite paying since XXXX! 

I need help. These loans have been paid in full. All principal has been paid. all th interest has been paid and I've likely paid close to double what was borrowed and they want to double the amount again and add another twenty years when I should have either no or few payments left. It's very suspect that my payment is suddenly GONE and my online account inaccessible and I can not reach the servicer by phone, email or web. 

I have been asking to be referred to the ombudsman repeatedly and nothing has come of that either. 

My loans should be forgiven at this point. I've paid my dues, all payments and worked tirelessly to try and get to the bottom of why this company keeps adding time and balances to my loan. At this point in my repayment schedule, the payments should be going solely to principal not being sent more than half to interest. 

Something is terribly wrong with this loan.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I called on XX/XX/XXXX to request a full payment history starting in XX/XX/year> since the new mohela.studentaid.gov does not show my full payment history. I was told to expect this in 7-10 business days. It has been 14 business days. 


Today I spoke with XXXX who did not fix the issue.