davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I have been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA these unauthorized inquiries and accounts must be removed
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A. (NJ)

I received a phone call from a woman I didn't know on a number I didn't recognize. She said she was with PNC and my credit card had been compromised. She said that if I verified my address she would send me a new card. I thought it was a scam. It sounded exactly like a scam. I told the woman I would call the bank in the morning. 

Turns out it wasn't a scam. It is difficult to imagine why an organization that is susceptible to phishing attacks would think it appropriate to make a telephone call like this. They should have simply said " don't be alarmed but we had to change the number of your credit card account. You'll receive a new card soon ... '' I appreciate that the bank is doing everything it can to prevent fraud but I'm sure everyone will agree that their telephone call was inappropriate and less than professional.
Consumer complaint received 2018-10-13
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. (FL)

They have identity on all 3 of my credit report Equifax, XXXX XXXX, XXXX  credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ).

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ).

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The list of accounts below are a result of identity theft and have been reported and previously disputed with all three major credit bureaus. In hopes of correcting these inaccuracies I was then notified without proper investigation or proof that the validity of these accounts were accurate thus prompting me to look further more into the issue. Not only have they violated my rights to privacy according to 15 U.S.C 1681 section 602A, but also failed to provide me with a detailed explanation of how these inaccuracies were made nor have they been corrected which has led to a violation of my federally protected privacy and confidentiality by releasing and publishing inaccurate fraudulent information under 15 USC 1681. 

XXXX XXXX  : XXXX {$500.00} XX/XX/2023 15 U.S.C 1681 Section 604 ( a ) ( 2 ) States that a consumer Reporting Agency can not furnish an account without my knowledge or written instructions.

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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

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

15 U.S.C 1681 section 602 A. States 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 2023-12-26
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. (NJ)

Equifax Credit Bureau alledges that my former complaint is not factual and that they ( EQUIFAX CREDIT BUREAU '' conducted a thorough investigation with these creditors. EQUIFAX CREDIT BUREAU then closed my closed stating that the negatives items were in factual and verify by the creditors. The complaint was closed on XXXX day XX/XX/XXXX Complaint id # XXXX. 


I recieved a letter on XX/XX/XXXX  from EQUIFAX INFORMATION SERVICES LLC, stating " we were unable to locate a credit file in OUR database in my name ''. EQUIFAX INFORMATION Services LLC then requested that i provide personal docmentation such as PAY STUB with my Social Security number, W-2 form with my complete address on it. Copy of driver 's license, rental/lease agreement, Ulility bill with other indentifying information. Complaint id # XXXX this case is still open. 

How could EQUIFAX CREDIT BUREAU claim to have conducted a thorough investigation as per FRCA guidelines, YET equifax information services llc ; send me a letter asking for personal documents that they could use to help locate and indentify ; my " MISSING CREDIT FILE '' IN THEIR DATABASE.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

For years we had a personal and a business checking account. We never ever had any returned check or ever overdraft fee. And all of a sudden they closed our accounts. Gave us 21 days to resolve whatever we needed. 
Very unfair
Consumer complaint received 2022-12-11
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. (NY)

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. 

NY CHILD SUPPORT ENFC : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States 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 2023-12-26
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. (GA)

Notice of INTENT TO SUE! XXXX, XXXX XXXX Equifax have an Tradeline that was Furnished on my Consumer File that has Fraudulent and Inaccurate Status Reporting Private Data shared Without Consent. XXXX { XXXX } Distributed Private information without disclosing the Three Disclosure to Opt out of My Non Public information being shared to an nonaffiliate third party XXXX XXXX XXXX  and Equifax ) Have this information I demand this Tradeline Be Removed Immediately. They have an Experience reporting that the tradeline was Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is Inaccurate and unverifiable Due to tradeline Charge-off status
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

Proximately 2 years ago I was applying for a veteran eligibility guaranteed loan of over {$130000.00}, and already had a nice property checked out that would furnish me with a place to live and more important a place to start a new business because my XXXX won't let me continue to work in My Chosen field of XXXX. The loan was well underway and due to wrong and fraudulent information and my identity information hacked from the files of reporting agency. Apparently 90 % of the files they had on people were broke into and their information stolen. This cause is all kind of bad reports, loans in my name that were issued to someone else, defaulting credit cards that were issued to someone else in my name, my credit score dropping over a hundred points from good to poor status ruining any chance I had to get back on my feet. My stolen identity fraudulent reports by the credit bureau and no one willing to give me a much needed loan to buy a house caused me to become homeless and struggling for the last 2 years.
Consumer complaint received 2022-12-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have sent Portfolio Recovery Associates a letter to validate an alleged debt on my credit report. They responded with a simple statement, which is not meeting fdcpa guidelines to validate a debt. I sent them a follow up letter letting them know that unless they could sent me an original document showing my signature to this alleged debt they needed to cease and desist. The alleged debt has an address that is not mine. I have already filed a fraud identity theft with the FTC and also have filed a police report, and frozen all three bureaus. Hence the reason I am asking for a VALIDATION of this debt. 
Secondly, the statement they did send doesn't show any history on the account of payments or purchases or any interest or fees added. Also the Statute of Limitations on it expired. 
So please explain how they can NOT validate a debt that is also expired, and still try to damage my credit.
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (CO)

I'm reaching out because I've requested the law firm to post my payment for last month that they cashed and posted it to someone else account they still trying to collect XXXX when it's XXXX or less because looking back I've made payments and who is to say they have applied correctly my account is XXXX XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WI XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Despite three written requests, the unverified items still 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 investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) 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 2022-09-09
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. (GA)

In accordance with the Fair Credit Reporting Act, my rights has violated. 
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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Notice to agent is notice to principal, this should serve as a written notice that I XXXX XXXX last 4 digits of my account number XXXX, have witnessed inaccurate an incomplete information on my consumer report please investigate the following accounts so they are 100 % complete accurate so my consumer report is fair an equitable to me, and send me a notice of election form. XXXX
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX XXXX phone calls every day even weekends and they were always rude. 


Even added an account without my knowledge and for me pay on it monthly. I had been paying toward cards for years and not seeing the balance going down. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (NJ)

XXXX stays I signed for loan with them. I never signed for loan to be joint owner on any loan with XXXX. I've ask that XXXX show proof that I signed for installment. XXXX has never provided proof to credit bureau. They come back saying I'm listed as joint but my name is not even spelled right in XXXX system where some how my name is on the deed. The bill is not in my name. I've also never made a payment ever. That is not my Checking that payments are coming out of
Consumer complaint received 2022-09-08
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. (OH)

In Accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, and XXXX have 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-03-21
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. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (FL)

XX/XX/2023 XXXX XXXX XXXX # XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX i Do not autorize these inquiries XX/XX/2023 XXXX I dont remember authorizing this inquiries
Consumer complaint received 2024-03-21
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)

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 : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2023 XXXX XX/XX/2023 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 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Hello, I am concerned as to when my recertification date for my IDR plan is. It is to my understanding that the recertification anniversaries have been pushed back for a year into XXXX if it is within 6 months of the restart of the payment pause ( so any time before XX/XX/XXXX ). 

According to my loan details, I do not see a recertification date but a date that my loans will revert back to the standard repayment plan : XX/XX/XXXX. XXXX this be reverted to XXXX by now? 

I am trying to rectify this since I am in the PSLF and I am trying to continue to minimize the amount my monthly payments.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (AR)

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 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.