davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-15
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. (DC)

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.
Consumer complaint received 2024-05-15
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. (AL)

I have previously disputed > US BKPT CT XXXX  XXXX / XXXX # XXXX with Experian and in response Experian verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to Experian or any credit bureau for that matter ; therefore Experian original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Also, there is an account XXXX XXXX XXXX account # XXXX that does not belong to me. I reached out to XXXX and their response is upload under documents stating this is not my account and I never had an account with them. Please delete immediately.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-31
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX account # XXXX
Consumer complaint received 2024-05-15
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. (FL)

There are XXXX hard inquiries listed on my personal credit report that should not be reported on the personal side. These hard inquiries are for business credit. 

Experian XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> Please remove these hard inquiries from my personal credit report. These hard inquiries are only for the business credit.
Consumer complaint received 2024-05-15
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. (FL)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (VA)

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this XXXX. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-15
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry :XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry :XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-05-15
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. (NC)

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.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (VA)

I have been trying to defer Parent Plus loan payments b/c my daughter is a full time grad student. I was getting no responses by submitting the online form. Been told different things by each rep I wait in hold to speak to for hours. Last rep said I had to wait until she attended first week of classes and it would trigger the code to show she was in fact still full time. I have resubmitted twice and I never hear anything from this lender. I get the online confirmation it was submitted, but no details and then it just disappears off their site and shows no record I even did it. I am tired of waiting on hold for hours when the website should be able to provide this information. I have been working on this since XXXX. Why tell us we have to wait if your company can not manage the processes you tell us to follow. I have also tried the press 1 to save your place in line and get a call back. No one calls back. This is chaotic and I have a job to perform and can not keep spending so much time on this, but now all my payments are past due and my great credit us going to get destroyed. What do we as consumers do when we can not contact anyone at this lender and we need help? I was also told by my personal school loans previous lender to consolidate mine and request tge XXXX payment plan or request they put me back into the deferrment I was in prior to doing that to meet that deadline, but got denied for both of those with Edfinancial. I am a struggling single XXXX trying to support my daughter in school to live. I can not afford to pay for two apts and thousands of dollars in school loans right now. This is beyond stressful. Edfinancial is the worst lender I have ever had experience with because it is impossible to reach them and their online forms and processes go nowhere.
Consumer complaint received 2023-11-03
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)

In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights.

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.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXXSC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OH)

I called in the first week of XXXX to get my name changed back ( for some reason it reverted back to my maiden name when they switched systems ) and to see if the refund for overpayment was going to be sent back to me. I was informed that the checks were sent back to incorrect address. I was in the process of moving when the checks were sent and sent in the correct address as soon as I was settled in. I was told that day to allow 7 - 10 business days for the finance department to get them sent back out. I called again XX/XX/XXXX and was told that there was not timeline and the agent was not sure why I was told that timeline.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

Pnc bank has denied XXXX of my disputes I submitted in relation to an Unauthorized charge for XXXX $ I have reported this dispute 3 times it has been denied the reason for denial is because I did XXXX XXXX XXXX transactions which physical card is not needed for 3rd party transactions. They havent even tried to conductive any research just denies the Unauthorized transaction within a day of me submitting it no temporary credits anything I have been banking with them for over a year I feel like an outsider the way I have been treated by this bank no one will help me with this. Bank is supposed to help you when a victim of fraud this bank has done the opposite which caused damages to my small business looking to hiring an attorney general to help me regain access to my stolen funds unauthorized from my account.
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NC)

I have a collection on my credit report for an apartment, i never signed my name to a lease never seen a lease, i lived in NC at the time this was done, the leasing agent signed my name electronic, without my consent. The Apartments are The XXXX in XXXX Ga.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I have yet another complaint about the XXXX at Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ).

They unfortunately refuse to respond to any emails or contact unless I file a complaint with the CFPB. 

I'm attaching an email I sent them on XX/XX/XXXX. They have not provided a response to my questions and I would ask you to force them to respond.

I regret that this keeps happening, and really wish that they would just treat me with dignity and return my calls and emails so I do not have to keep escalating to the CFPB.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nav Technologies, Inc. (GA)

NAV is a credit monitoring service that has told me they have been reporting my payments to my XXXX and XXXX report but nothing is showing and have been making payments since XX/XX/year>. They offered to refund XXXX month but are refusing to rectify the reporting payments for XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

XXXX & LexisNexis continue to report a bankruptcy that is incorrect. I have requested that this information be removed immediately and it has not. LexisNexis claimed to have removed the information and notified XXXX, XXXX, & XXXX that they have deleted the information as they are the reseller ( vendor ) that verifies this information for the companies. I recently filed arbitration against XXXX and their attorney denied that XXXX was actually reporting this information but I applied for credit and was denied because of XXXX I am requesting help with getting this information deleted and both entities compensate me for damages they have caused.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Examples : XXXX I did not authorize this inquiry Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XXXX Company Information : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Company Information XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. The following inquiry is more than two years old, and I would like it removed I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. Please note that you have 3o days to complete this investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

This involves CitiCard dispute regarding a company called in XXXX, TX XXXX. 

Beginning in XX/XX/XXXX, XXXX outlined a list of deliverables to advertise the launch of my book, XXXX XXXX XXXX XXXX XXXX XXXX XXXX They charged me {$5000.00} and have not yet delivered on their promise. I have repeatedly asked for refunds and they keep giving me the runaround claiming that they will deliver. I requested a refund in XX/XX/XXXX, and XX/XX/XXXX. 

The most recent communication from XXXX was to attempt to convince me to turn over my log-in credentials for XXXX and XXXX XXXX XXXX XXXX claiming they wanted to provide additional support at no charge. This was a month after attempting to offer me another promotion costing {$1200.00} with the promise I could recoup some of the {$5000.00} because the new promotion would heighten the exposure of my book and increase sales. 

Now mind you, they have not completed the deliverables I paid {$5000.00} for and what they offered on the invoice contract. It was obvious to me that they were attempting to steal my personal and financial information. 

Rather than investigate, Citicard responded that they had no say so in how much a company charged me for services. I responded by saying that out of a list of XXXX deliverables, they gave me XXXX and no follow-up. 

I called CitiCard again in XXXX and XX/XX/XXXX and spoke to a real person who said they would escalate the matter. Nothing has happened and they continue to ignore me. I sent them XXXX pages of email communication between me and this company but Citicard chose not to help me pursue a refund. 

As of today, this issue has not been resolved. I asked the project manager at bookadvertisers to speak to their boss or company manager- and I have gotten no response. I do not believe this is a legitimate company, and that they are scamming self-published authors like me out of lots of money. I even filed a complaint with XXXX, TX Better Business Bureau because this company is listed in XXXX but not a member of the XXXX 

The project XXXX at XXXX is : XXXX XXXX and the person who sold me this contract is XXXX XXXX.
Consumer complaint received 2024-05-15
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Account : XXXX XXXX XXXX XXXX