davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Approximately a year ago my personal information was stolen from a supposedly secure data base of the Eqifax credit reporting agency. Apparently 90 % of clienteles information was stolen from hackers unknown. Because of this information in someone else 's hands they were able to take out loans which they didn't pay back, buy things from credit cards applied for in my name, and drop my credit score from good too poor in a matter of days. At that time I was in the final steps of purchasing a home when a final check of my current credit score revealed a much lower score then when the loan application was first started period because of Equifax giving all my information out to Crooks unknown I'm in financial ruin I lost buying a house and as a result am homeless and struggling to make ends meet. This is going on all because Equifax did not secure their clienteles data. They are totally at fault 4 so many troubled days and nights not only on my part but thousands of other people 's credit gone into the gutter. Something needs to be done and all victims compensated.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

In 2011, XXXX, Wells Fargo illegally continued an Auto-Pay to a linked Wells Fargo credit card that I tried to cancel, I assume by utilizing their status of my bank account fluctuation. This resulted in a stream of overdraft protection fees and I called all day ending up at their executive office who refused to refund, stating something like the accounts were theirs and they could not correct the error. They very shortly after my long call to the executive office refusing to have money stolen from me; closed my account taking all funds remaining and used it to to pay a portion of the credit card attached using whatever law allows them to do that with linked funds. It started an unbelievable financial hardship thats taken over a decade to try to repair.
Consumer complaint received 2023-05-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Loan opened XX/XX/2015, Account charged of {$23000.00}, wrriten off {$10000.00} Disputed due to Ex husband 's responsibility in Divorce decree. 

Investigation completed by XXXX. Remains an active account due to third party debt collectors keeping it current.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

RE : ( 1 ) Experian Credit Freeze Lift Denial PIN # XXXX ( 2 ) Primary Phone # XXXX XXXX No Answer, No Representative ( 3 ) Failure to lift freeze timely. Caused rejection for important loan. 


Hello, I've been trying to Permanently Lift my credit freeze for over 2 week period. Without success. Both other agencies have online ability and it actually works. Experian on the other hand. Phone access is useless. Online access give following denial ever application. 

Response : We were unable to honor your request to permanently remove your security freeze at this time. Please try your request by mail. 

Experian Security Freeze Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Social Security number : Date of birth:XX/XX/XXXX
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. ()

It all started last year with the XXXX data breach. I have put every security measure possible on my finances and credit report, including services offered by XXXX such as XXXX XXXX, as well as XXXX. Literally almost everything I own has been hacked due to this breach. I deal with disputes on my credit file DAILY. My email has been hacked, I've lost count of how many times I've changed my bank card and account. I've lost alot of money, time and mental health. The newest situation, the reason for this complaint, is that I went to go apply for something and the company told me my credit was locked. The only way your credit can be locked is by you doing it yourself. I know for a FACT I did not lock it recently ( last week I applied for a cc with no problem ). I called XXXX to find out what was going on, and bottom line someone locked my credit report without my knowledge and they have no answers for me. Period. I'm so sick of this. It's ruining my life!!!!
Consumer complaint received 2023-11-04
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. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-11-04
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  - UNAUTHORIZED INQUIRY XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-11-03
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. (MD)

My complaint are more so directed at XXXX for reporting information that does dot belong to me. I have recently sent my FTC Identity Theft Report along with Affidavit directly to credit bureau 's regarding my credit reports. I will upload information pertaining to my complaint prior to submission.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (GA)

I deposited a check of {$8200.00} in chase bank on XX/XX/. I was told my the bank teller XXXX XXXX XXXX that it will be an hold and will be released on XX/XX/. I was never told that the account was closed or need to have further assistants with cause it was on the verge of closing. So i checked my account the next day and it wouldnt let me log on like my account was closed which it was when i called an ask the bank teller the next day being that there where no funds in the account for 30 days. So i came an ask the bank manager XXXX of the chase branch in XXXX, fl on XXXX XXXX, what do i need to do and he told me the review team is taking care of it and they should call me and will be sending a check. After fighting with more phone calls everyday with customer service from chase bank from XXXX XXXX  ( who the originally is from ) and by the way this is a refund check from filing my taxes in XXXX, ga at XXXX XXXX XXXX XXXX XXXX. No one has solved my issue and i am asking for help to figure out if someone stole my money. Please and Thank you.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am an Experian Member ID XXXX - On XX/XX/18 I obtained by Experian credit report and after reviewing it I noticed that I have 2 negative accounts that I do not recognize and 5 inaccurate reported accounts reporting to my credit report. One is from XXXX XXXX and the other is XXXX of which i have no clue why it is reporting on my credit report. I have never done any business with these account people listed. I have disputed this before and it is clearly not being handled with critical discernment and it is very disheartening. I am including credit report and other supporting docs for immediate assistance. Thank you
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, 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)

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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-04
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. (AL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}.
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours (SC)

I have a debit to my account for {$100.00} and this was charged XXXX. I asked an associate why I was charged this and she stated that a previous debit had not been paid and both had been debited to my account on the same day. I asked how I was able to borrow more money if my previous debit had been repaid and she said that the app allows you to borrow more even before they receive confirmation of completion of payment. I asked to be transferred to a supervisor and she did and that supervisor read though my previous conversation with the associate and expressed to me the same thing the associate had. I explained to the supervisor that it was predatory for them to allow me to borrow more money then what I could reasonably repay I asked for resolution and got no response I have now been waiting for over XXXX minutes to get a response. I advised them if resolution could not be made then I would contact CFPB.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

A XXXX account in my name that I closed in XXXX went delinquent in XXXX for unpaid cancellation fees. I learned about it when I checked my credit reports in XX/XX/XXXX and saw XXXX XXXX was reporting to the 3 credit reporting agencies an amount as delinquent and owed to XXXX. I had never received any correspondence from XXXX. I called them and was told that I could settle the collection by paying the past due XXXX amount in full to them - not XXXX. I paid the amount due immediately to XXXX XXXX in XX/XX/XXXX. A month later, the account was not showing as paid and closed on the 3 reporting agencies so I filed disputes with the 3 agencies. The account was corrected showing paid and closed with the credit agencies but the reports show an " opening date '' on Equifax and XXXX for this delinquency as XX/XX/XXXX re-dating it by 4 years. I contacted XXXX  again and asked them to correct the date of delinquency to show the original XXXX date or remove the " opening date '' of XX/XX/XXXX but they refused. I disputed the date issue with the 3 credit reporting agencies. XXXX corrected the inaccuracy by removing the item completely. XXXX and Equifax responded that the incorrect information had been verified as correct by XXXX. XXXX XXXX states that they are reporting the date that they were given or " bought '' the account from XXXX. I contacted XXXX on XX/XX/XXXX and asked them to correct the date to the original date of delinquency or to ask XXXX to remove the information entirely because it is inaccurate. XXXX responded on XX/XX/XXXX that they are not able to do that because they are not the company reporting the information even though it was originally a XXXX debt from XXXX. The incorrect re-dating of the delinquency showing as " opening date XX/XX/XXXX '' is causing my credit scores to decrease significantly due to the Equifax and XXXX reports showing that the delinquency is " a recent '' delinquent account. XXXX and Equifax have stated that I can not dispute the item again. By XXXXXXXX reporting an " opening date '' of XX/XX/XXXX and not the original date of delinquency of XXXX with the original creditor, XXXX, I am being harmed by not being able to get a mortgage because my mortgage FICO as well as the other FICO scores are based on this incorrect date/information.
Consumer complaint received 2024-03-22
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. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act.

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is in fact ; inaccurate. 

Account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

i disputed this judgement that was open in XXXX i dusputed this several years ago equifax removed this because the statue of limitations of 7 years has past. 

just recently i requested for annually credit report an discovered that equifax has reinserted that same outdated acct # on my credit report. the amount showing. 

{$23000.00} note : this acct # should be removed again.
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

XXXX XXXX  XXXX issued refund amount {$7900.00} to my Citicard personal account. On XXXX Citi customer phone agent was given my refund request to be electronically transfered to existing personal bank account on file. Agent issued confirmation # XXXX that refund will be transfered " in 3 to 5 business days per policy ''. On XX/XX/XXXX Citi cust. phone agent-phone # XXXX was informed refund not received & asked where {$7900.00} was. Agent reported, " refund is in your account & cited 5 business day policy. I demanded refund per policy as this date was 4th business day. On XX/XX/XXXX apprx. XXXX Citicard personnel identified as " branch manager '' issued confirmation # XXXX " expedited transfer '', that previous confirmation # XXXX was reviewed from XXXX refund request, and {$7900.00} to existing bank account after reviewing route, acct number with branch manager and transfer will be in " 34-48 hours ''. On XX/XX/XXXX apprx XXXX Citi customer phone rep notified refund not received. My demand to branch manager or supervisor was denied rep stated & rep stated she was told to inform me that the refund request " will take 5-7 business days. ". Please help me with receiving my refund. Citi has not responded to transfer my refund and not co-operating at branch mgr level
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, 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)

Hi my name is XXXX XXXX I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. Experian and XXXX unlawfully furnish my personal information without my writting consent. Pursuing to 15 U.S.C. 1681 section 602 a states I have the right privacy. My rights where violated due to unlawful data sharing. Experian and XXXXXXXX has violated my rights and I demand these accounts be removed in 5 business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

I received my first collection notice by mail from IQ Data International on XX/XX/year>, this notice stated that I owed XXXX XXXX a balance of {$980.00}. The notice also mentioned that I had the right to dispute the charge by responding to the notice by XX/XX/year>. The next day, XX/XX/year>, I mailed my dispute to IQ Data International to ensure that the company received my notice before the set deadline. One week later, on XX/XX/year>, I received a notice from XXXX that IQ Data International INC. had posted the balance in collections on my credit report. I contacted IQ Data on XX/XX/year> to discuss the account and explain that I mailed in my dispute and that I had until XX/XX/year> as stated on the notice. The representative stated that the only way to remove the collection account from my credit would be to pay off the entire balance immediately. IQ Data International has improperly reported a debt to a credit reporting company without meeting the obligations under the Fair Debt Collection Practices Act. The company never responded to my dispute and within a week of receiving the first notice, IQ Data wrongfully posted the balance on my credit without allowing me to discuss the matter with a representative or even set up payment arrangements.