davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Accounts, LLC (CA)

I have medical debt that was sent to Capital accounts LLC for collections. I disputed this account on XXXX and XXXX in turn Capital Accounts sent me a verification letter of someone else. Multiple pages with someones name, address, birthday, social security number, account numbers, drs office name, etc.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I purchased a car prior to the Covid-19 pandemic, but during the pandemic, I faced financial difficulties and was unable to keep up with the payments. As a result, the financial institution attempted to repossess the car. However, the car had suffered significant mechanical issues and was vandalized while parked in XXXX XXXX XXXX, making repossession impossible. I proposed to the financial institution, XXXX, that they offer me a settlement amount so I could pay off the balance or allow me to make monthly payments. Unfortunately, they refused and insisted on payment of the full {$15000.00} owed on the vehicle, which I am unable to afford, and still unble to afford a XXXX time payment of XXXX plus. 

Eventually, they charged off the debt and reported it on my credit file as of XX/XX/XXXX. However, the charge-off actually occurred in XXXX when a XXXX was issued. According to consumer law, a charge-off is not considered a debt but rather income. 

I have made numerous attempts to negotiate with XXXX, sending certified letters and making multiple phone calls, but they have disregarded my requests for a resolution. Theuy continue to report negative incorrect information on all the credit Bureau on me and refused to communicate or make it easy for me to enable me pay on the car because they want the full payment at once.
Consumer complaint received 2023-12-06
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. (NC)

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This credit card is reporting inaccurately. 

XXXX says that the last payment was made on XX/XX/2023. I reported that this information is inaccurate and they verified it as accurate as of XX/XX/2023. 

XXXX reports date of last payment as XX/XX/2023, i reported that this information is inaccurate and they have validated it as accurate as of XX/XX/2023. 

Experian is reporting that {$0.00} was paid on XX/XX/2023 as of XX/XX/2023. 

Experian shows that the account was XXXX pays due in XXXX of 2023 but also shows a payment of {$220.00} on XXXX XXXX. 

XXXX shows a payment of {$220.00} being made on XX/XX/2023 and XXXX does not show a date for the month of XXXX. 

Even though there are numerous inaccuracies, all of the agencies have reproted this account being accurate when I contacted them regarding the discrepancies.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AppFolio, Inc. (SC)

On Tuesday XX/XX/ I sent a security freeze request to Appfolio through email. I did not appreciate the response that I was given. An agent responded by saying " Appfolio is not a credit bureau and can not freeze your credit. '' I then responded by saying that Appfolio is a consumer reporting agency and I have the right to obtain a freeze on my credit report. They have been reporting information in my name without written consent which is a violation of 15 USC 1681b ( a ) ( 2 ). This are also violating 15 USC 6802 b ( c ) they never gave me an explanation of how I can exercise my to not have my information reported.This company is clearly depriving of my right 18 USC 242 and is conspiring against my rights ( 18 USC 241 ) by selling my information against my permission which is also identity theft.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A. (AZ)

Citibank has called me before XXXX on XX/XX/XXXX and XX/XX/XXXX from number XXXX. They are also calling XXXX to XXXX per day from XXXX and the number ending in XXXX. The constant calls started on XX/XX/XXXX and have continued throughout the month. The harrassing calls have now escalated to calling before XXXX multiple times. I read on the XXXX rule, and they have definitely exceeded the number of calls that should be made. Please investigate and fine the company, to prevent this harassing behavior from continuing.
Consumer complaint received 2024-04-01
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022 I contacted an alleged creditor. I will say alleged because I never received a debt validation letter and was never contacted regarding this debt. 

When I contacted the creditor I had been informed by the original debtor that my balance was {$1900.00}. I attempted to pay the balance to original debtor, they accepted the payment and then the debt collection agency said that the amount was incorrect. 

Every credit agency is reporting the original and current balance of the debt being {$2000.00}. The orginal amount of the debt was {$1900.00}. 

The company that I paid for the debt was not the creditor listed but a company called XXXX, XXXX, and XXXX. To this company I paid {$2400.00}. And yet the balance verified by the credit agencies is still {$2000.00} or {$2000.00} depending on which credit report you look at. Every site has a different and inaccurate amount that continues to be verified as accurate Not only are there inaccuracies with balance, but I was never notified by the company about the debt in the first. They never gave me an opportunity to verify it or pay it ahead of time. 

Also, the dates listed of payment are inaccurate. I paid the alleged balance in full on XX/XX/2022 but it's listed as paid in full in XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I believe my information mightve been leaked. I believe that theres information on my current report that is not correct and I just want to throw investigation to make sure that everything is accurate and up-to-date. I dont believe it is I can be reached at XXXX if theres any other questions that I need to answer or you can reach me at XXXX XXXX all lowercase. And all one word thank you for your time.
Consumer complaint received 2024-04-01
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. (TX)

I hope this message finds you well. I am writing to express my continued frustration and concern regarding the ongoing issue of late account openings, despite our repeated attempts to address this matter. 

The recurring delays in opening accounts not only disrupt our operational efficiency but also adversely affect the trust and satisfaction of our valued customers. Despite our best endeavors to streamline processes and implement corrective measures, it is disheartening to witness the persistence of this issue, which reflects negatively on our organization 's reputation for reliability and customer service excellence. 

I urge you to escalate our engagement and collaborate closely with regulatory authorities to identify the root causes of these delays comprehensively. It is imperative that we take a proactive approach in addressing any systemic deficiencies or bottlenecks that contribute to the recurrent late openings of accounts. 

In conclusion, I urge you to prioritize this matter with the utmost urgency and dedication, recognizing its significant implications for our organization 's reputation and regulatory compliance. I trust that through collaborative efforts and decisive actions, we can finally resolve the issue of late account openings and uphold the highest standards of service excellence and regulatory compliance. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX  XXXX Balance : {$510.00}.
Consumer complaint received 2023-09-26
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Jefferson Capital Systems has taken my nonpublic personal information and unlawfully trafficked libelous information to unaffiliated third parties without my prior authorization or consent. The lack of safeguarding and providing disclosures as it pertains to use, and trafficking of my nonpublic personal information is in violation of the Gramm Leach Bliley Act. I do not own this debt and refuse to make any payment ( s ) in connection with the alleged debt. The information is not information relating to any transaction by me. Jefferson Capital does not have permission, consent, nor permissible purpose to obtain, use or traffic my nonpublic personal information. Jefferson Capital is blocking me from having a fair and accurate credit file and has ruined my credibility and reputation. Jefferson Capital has violated various consumer rights, FCRA and FDCPA laws in order to coerce unlawful payment ( s ) from me using oppressive and deceptive tactics for its own financial gain.
Consumer complaint received 2023-12-06
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. (IL)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$630.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX {$21000.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-04-01
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)

This complaint regarding the inaccurate credit information being reported. I am greatly distressed by the inclusion of this detail in my credit profile, as they have adverse effects on my otherwise positive credit history. It is imperative to adhere to credit reporting laws, which mandate the reporting of only accurate credit information. Undoubtedly, the inclusion of this erroneous information is either an error on your part or on the part of the reporting creditor. 

The inaccuracies on my credit report have resulted in unjust denials of credit recently, causing considerable embarrassment and negatively impacting my quality of life. Therefore, it is crucial that this information be promptly verified and removed from the report : XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NY)

I paid my balance in full 2 days before it was due on XX/XX/23 the total was approximately XXXX. I paid the entire balance due on the date that I made the payment. After the due date of the Apple credit card I went to check and make sure that the payment cleared to find a balance of XXXX. I spoke to someone on chat at Goldman Sachs and was told that in order to avoid paying interest I have to pay the entire balance 2 months in a row. I then asked if the balance did an arbitrary number that the just make up and if it is not than how can I still have a balance if I paid in full and was told that is policy
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SUNTRUST BANKS, INC. (OR)

I have loans totaling apps {$40000.00} from XXXX. I ca n't verify this amount. The bill is currently near {$80000.00}. The loan was consolidated with my husbands who borrowed much more than I, died in XXXX. They forgave his debt but from what I can discover, I still owe more than he ever did. They will not verify anything with me or tell me how they come up with the math that seems very unfair. I am currently in low income deferment but would appreciate clarification on the numbers. Thank you
Consumer complaint received 2023-01-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (FL)

Hi, my name is XXXX XXXX. I am a current customer of td bank. And I applied for a td fit loan on XX/XX/2022. As a result, after I provided information for the loan. XXXX of the agents demanded more information need to be submitted as this is not the first time I received a td fit loan but this is the first time I was treated with disrespect and discrimination regarding what needs to be submitted So I stated that I am not home at the time she wanted me to submit the required information I will do so when I return home. As I got home and logged into my application and it was an automatic denial stated something in my credit report which was untrue. So I called the td fit loan department and they stated they couldnt verify my identification which was also false. This is disgusting how your employees represent your company in this type of manner and it is unacceptable.