davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
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: EQUIFAX, INC. (MI)

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing XXXX Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-11-30
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)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on Experian.com and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX XXXX account number : XXXX & XXXX XXXX account number : XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-30
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. (NY)

XXXX XXXX  HAS BEEN TAKING ADVANTAGE OF MY CREDIT. XXXX XXXX HAS FALSELY REPORTED INCORRECT INFORMATION ON MY ACCOUNT REGARDING PAYMENT STATUS IN AGREEMENT TO WHAT WAS DISCUSSED VIA PHONE. XXXX XXXX HAS BEEN NOTIFIED UPON SEVERAL ATTEMPTS TO REMEDY THE SITUATION AND HAS RESULTED IN NEGELECTING TO CHANGE THE INFORMATION TO SOLIDIFY THE CORRECT INFORMATION. XXXX XXXX HAS DOCUMENTED ON ACCOUNT 2 LATE PAYMENTS TO OCCUR IN THE MONTHS OF XXXX XXXX XXXX XXXX WHICH IS INCORRECT DUE TO THE NULLIFICATION OF CREDIT STATUS PENDING DISPUTE OBLIGATIONS AS PER THE AGREEMENT. XXXX XXXX HAS ALSO BEEN AS BIAS AS TO REJECT MY APPLICATION FOR CREDIT INCREASE GIVEN THE FACT MY PAYMENT HISTORY IS MAGNIFICENT OTHERWISE BUT WISHES TO RECUSE ME OF ANY BENEFITS CONSIDERED. AFTER PROVIDING REFERALS WITH NO CONSIDERABLE ACCREDIDATION OR AFRIMATIVE REWARD XXXX XXXX HAS ILLICITLY BEEN DISPARAGING MY CREDITWORTHINESS AND HAS BEEN BADGERING MY WORTH CONSIDERABLY WITH INCORRECT REPORTING AND DENYAL OF BENIFITS. XXXX XXXX FAILS TO MAINTAIN UPDATED CREDIT REPORTING STATUS ON APP AS WELL AS FAILURE TO APPLY EXPRESS PAYMENT BENEFITS TO ACCOUNT IN TIMELY MANOR AND THIS AFTER RECEIVING PAYMENT IN FULL FOR A SERVICE NOT RENDERED AS EQUIVALENT AS PER STATED.
Consumer complaint received 2023-04-05
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX Balance : {$210000.00}
Consumer complaint received 2023-08-05
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. (WI)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquires made by the following companies : XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you Experian permission to furnish this. Information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and also a serious breach of my privacy rights. 

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. 

I also demand that Experian produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation dealing my signature, I formally request that these fraudulent inquires be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Best Regards, XXXX : XXXX Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-11-30
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. (MI)

Discovered identity theft last year. got letters in the mail went to the local police department ( XXXX XXXX ) in XXXX.. i still have one of the reports on my credit that is not mine i contacted the the original creditor said they verified it with a public record anyone can obtain that information
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I received court summons 2 weeks ago mentioned Portfolio Recovery Associates LLC sued me for the debt that I never owned. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, Arizona sent me 2 summons before that I never receive copy of those. 

XXXX XXXX XXXX contacted me by mail last year accused me that I owed {$710.00} using XXXX XXXX Credit Card dated XXXX XXXX XXXX. I replied I didn't recognize any of these transactions. On XXXX XXXX XXXX I lost my purse, wallet with all my credit cards, Debit card, ID, blu cell phone, and my notes contain all usernames and passwords that I used. I gave him the case number, police name, badge number, phone number, email address, also her station. 
I expect he can just pull my police report online, if he has good intention. 
And he sent a second letter asking the proof. I don't response, since I realized this is fraudulent action. 
I didn't use this credit card since XXXX I don't even remember I have this credit card in my wallet that stolen. Therefore, I didn't call, block or cancel the XXXX XXXX credit card. I never received any statements from XXXX XXXX. Until I received letter from XXXX XXXX XXXX with the transaction balance on my stolen credit card. 

Between XXXXXXXX XXXX  and Portfolio Recovery Associates, they are both fraudulent companies working together scamming people. I reported this case so everyone knows, do not reply for any letter from XXXX XXXX or PORTFOLIO RECOVERY ASSOCIATE LLC. Please pursue this matter and bring them to justice. 

If you need more documentation please contact me.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NJ)

To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email address below and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will respond. My email address is XXXX. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I submitted the IRS form 4506-C to the request of America Express credit card provider in order for them to have permission to check and verify my tax and income history with the IRS and by that, to determine whether I should be approved for the AMEX Business Premium credit card ( which I've had thru American Express in the past ).

AMEX claims that couldn't verify my income due to IRS backlog.

When I asked to please wait some more time, they told me they would deny at this time and that I could re-apply for the card within a few months.

The issue is that this was my second attempt to apply for the card and this was their second excuse. 

The first complaint I sent them was last year, in XXXX. 

See all forms and statuses attached. 

Please assist. 

Thank you, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have been disputing this item know as XXXX  XXXX with a balance of {$210.00} over a year now and it's still coming back as accurate I know this is not true remove this from my credit report it's affecting my score I can't take out a mortgage to buy a new home because of this tradeline.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

A company that claims to be Midland Credit Management is calling my phone number multiple times every day using multiple different phone numbers, trying to collect a debt from someone. 
I currently have hundreds of different phone numbers, they have used, that I have blocked and reported on my phone. I am on both Federal and State Do Not Call lists. They have been told multiple times that my phone number does not belong to the person they are trying to collect from. They have been told multiple times that I do not know the person they are trying to reach. I am the only person that has ever had my phone number and I have had it for 44 years. So, whatever they are doing is not a mistake. 
I can only guess that someone at some point has used my phone number for some sort of fraudulent activity that didn't involve identity theft. I suggested this to them and that they should use some other legal means to find this person and stop calling my number. 
They show a callback number of ( XXXX ) XXXX. But since I don't have any information or account number or ever done any business with them I can't get anywhere other than a phone being answered.
Consumer complaint received 2023-09-22
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. (DC)

I have been working with XXXX for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX XXXX XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and XXXX refused to work further on investigating. I have made multiple calls to XXXX, and they have been extremely unprofessional and rude.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-26
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. (IN)

To whom it may concern, I received a copy of my credit report and saw a inaccurate account on my credit file I did not authorized or gave consent too.I understand that Equifax Credit Reporting Agency shouldn't be allowed to put an inquiry on my credit file unless I authorized it. The FCRA states that the only permissible purpose is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order. 
The following credit inquiries related to non of the aforementioned permissible purpose. 
XXXX XXXX XXXX  Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

PNC Bank issued the loan for my new XXXX  vehicle and since the inception of this loan, they have consistently FAILED to provide the monthly statement/payment forms in a timely manner. With my monthly payment due onthe XXXX ofthe month, PNC typically mails these AFTER the XXXX of the month- meaning I do not recieve their statement until about the XXXX to the XXXX of the month which makes it difficult/sometimes impossible to sent the payment in time to meet the monthly due date of the XXXX!!!!! I've spoken with them on several occasions about this to no avail. My concern is that THEIR TARDINESS results in my payments being " overdue '' and late, with the subsequent negative reporting to the Credit Reporting Organizations! My understanding is that there is a REQUIREMENT for the lender to provide the billing statement so that I RECEIVE it a minimum of 10 days prior to the due date. PNC Bank has NEVER EVEN COME CLOSE TO THIS! They barely even mail it out 10 days prior to the due date, thus putting my credit rating is at risk due to THEIR DELENQUENCY!!!!!! Can you HELP??
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CEX.IO CORP. (IN)

My name is XXXX XXXX. This past weekend I had logged onto CEX.io 's bitcoin exchange in order to buy some btc. I made two transactions totalling around XXXX dollars worth of btc. It was supposed to have been delivered to my XXXX XXXX wallet but it never was. In fact, the wallet address on CEX 's own site was never even funded. I checked on the XXXX. So, Monday rolls around and I get an email from them saying that there was " suspicious activity '' on my account and that is why I haven't received my btc. Well, it's possible that I accidenly left my VPN on, which wound make it seem like I was not in the country. I explain all of this to them and without even replying to me, now I can't even log on to my account there. Like they suspended my account or something. I just want what is rightfully mine. I used a credit card in my name to purchase the btc. Thank you for your time. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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)

I request the removal of the inaccurate XXXX XXXX XXXX, dated XXXX XXXX XXXX XXXX XXXX, from my credit report. This error damages my credit and is defamation to character under FCRA. Please investigate and remove this error promptly.
Consumer complaint received 2023-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

Validation Request XX/XX/XXXX  Account # XXXX To Whom It May Concern : I paid for one and received service for one month ; I don't understand how I owe a debt to XXXX XXXX XXXX With that being said, I'm disputing your claim and requesting validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

I will await your reply with the above-requested proof. Upon receiving it, I will get back to you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NC)

I began the process of applying for the SAVE plan via studentaid.gov at least 2 months prior to the repayment begin date of XX/XX/23. As of XX/XX/23, they still have not completed the request. I submitted at least 2 applications via studentaid.gov and 1 through Edfinancial 's website. They kept denying my application incorrectly stating I needed updated proof of income ( I both gave the access to my tax return via the IRS process AND uploaded my '22 return on their website ) and they said I had to call and request to be removed from IBR and make a {$5.00} payment. This is an unnecessary burden b/c the studentaid.gov site allows you to request to be removed from IBR and pay a reduced pay forb payment of {$5.00}. It took a complaint to FSA to get them to process the app ( amazingly enough, they did have what they needed to process after all ) but, of course, they did it wrong. They used a household size of 2 instead of 4 as indicated on allll my applications and tax returns. So I told them to reprocess, which they have yet to do and the due date is a week away. These companies are not equipped to service these loans. I already caught them adding on {$43.00} in interest which took escalated complaints to FSA to get them to understand and resolve.
Consumer complaint received 2023-12-05
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. (TX)

After reviewing my consumer report I noticed that there were inaccurate accounts and information on my consumer report.The consumer reporting agency 's never gave me my right to opt out and furthermore they never asked for my permission to furnish this information. In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.Code 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AZ)

LVNV funding llc, XXXX XXXX XXXX  and XXXX XXXX XXXX have purchased my accounts from other creditors and do not have proof that I owe anything to them.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-26
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. (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX that has been ignored.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-03-28
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)

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.