davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (MA)

In accordance with the Fair Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-11
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: Experian Information Solutions Inc. (CA)

This complaint is only for Experian credit bureau. XXXX and XXXX have continued to report accurately. In XXXX Experian stopped updating payment information for my XXXX XXXX personal loan. I opened a dispute on XX/XX/XXXX notifying them that although I was on payment assistance due to losing my job during the pandemic I was still making payments and they weren't being reported. They investigated and updated my payment information/history however they permanently removed and the " original loan balance which changed my " percentage of loan paid off '' to " XXXX '', decreased my XXXXredit score by 24 points, and made the loan appear as though it wasn't being paid off and there was no progress. I submitted 4 more disputes and uploaded images/supporting documents showing my credit report the day before they updated my report and the day after with the only change being the original loan balance removed/missing dispute dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The original loan balance is {$18000.00}. By XX/XX/XXXX my loan was 45 % paid off and reporting as such on XXXX  and XXXX however Experian although reporting the correct balance still showed 0 % paid off. I called the dispute department who told me that I needed to subscribe to their premium service so that they could access my report and help me further, so I did. They then told me that they could only give me possible reasons why my score dropped ( again only on Experian ) and couldn't help me further. XX/XX/XXXX my Experian credit report was updated and my score decreased by another 25 points with the only change being 1 payment made in the amount of {$35.00} to a credit card bringing the balance to {$0.00}. NO other changes. I've opened a 5th dispute today and after speaking with another Experian dispute specialist was told that they couldn't help me and that I needed to speak with a credit repair analyst to get more specific information. Just to be clear, I've disputed this information with XXXX XXXX directly who replied stating that they are reporting all information to Experian. In addition, my XXXX and XXXX credit scores are 50+ points higher reporting the same accounts and same information other than this " original loan balance '' that Experian refuses to include/update/re-enter.
Consumer complaint received 2024-03-01
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. (GA)

I have been a victim of identity theft and the bureau are not doing any type of investigation ... .they just validate with no proof and none of these accounts belongs to me and my person information should only one name and one address, no former other names and addresses at all ... .I need for this to be fix asap.

These are the accounts that I'm disputing : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I applied for a business credit card with XXXX, I have been a card holder since XXXX. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my XXXX  business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

{$1000.00} was taken from my account by XXXX. I tried to fix this through XXXX and they denied my refund. I contacted my bank and files a dispute. This was taken XXXX XXXX, and XXXX of XX/XX/2023. Ive waited over a month. I called XXXX today, XX/XX/2023. They told me they refunded my bank on XXXX XXXX. My bank, First National Bank said they have 90 days to give me my money.
Consumer complaint received 2023-05-26
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. (PA)

I am a victim of identity theft. Someone tired to open accounts using my information. I called Equifax and told them about the fraudulent unauthorized inquiries but they refused to investigate. Now I filed an identity theft report, CFPB report and attached with all my personal documents to verify my identity in order to get these fraudulent inquires removed. 

The following Inquiries reporting are unauthorized and fraudulent. Please remove from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the inquiries above. By law, unverifiable inquiries must be removed.
Consumer complaint received 2023-07-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

After looking at my credit report I noticed a negative entry that I am not responsible for, and as a result of this I have become a victim of Identity Theft. The account was opened in XXXX of XXXX, and the amount is {$760.00} that I am not responsible for. I have not called the company however I did file a Identity Theft report and a police report and sent all of that information to all three credit bureaus.
Consumer complaint received 2021-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Convergent Resources, Inc. (CA)

On XX/XX/XXXX I began to attend XXXX XXXX XXXX XXXX and a loan was opened through a student loan company called XXXX XXXX. I decided to drop out of school because XXXX XXXX XXXX XXXX was a terrible school where students were not taught anything, there were several fights between the students, and students had to learn everything on their own. That school still decided to charge me and my mom separately and we both paid off our debt with XXXX XXXX by XX/XX/XXXX. Until this day, that loan shows up on my credit score as " paid off ''. Since I did not complete the program, I was left with a loan amount of {$1700.00}. That was the agreement between the school and I so I paid it off late, but I eventually paid the amount that was agreed upon. Since then, I have received letters from different collection companies trying to charge me crazy amounts of money that I never agreed to pay. I have been able to report them and they have been removed from my credit because it turns out they are scammers. Today, however, I received a letter in the mail from a company called " Convergent '' charging me {$9400.00} from the Original Creditor : XXXX XXXX XXXX XXXX I have never heard of this company before, I called and they didn't answer, and the first letter I received was a " Reduced Balance Opportunity '' letter when I have proof that I have paid my loan with XXXX, and I have also never heard from that company before. My agreement was with XXXX, and XXXX XXXX. After receiving this letter, I am convinced that XXXX XXXX XXXX XXXX was a school involved in fraud, and they are the ones who gave or are giving my information to other companies. There was never an agreement for {$9400.00}. I am filing this complaint because I need help and I hope that XXXX doesn't try to to this to other students who once paid off their loans. I hope I can do something about this and that I can stop receiving letters from different companies who are clearly scammers.
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It's almost 60 days today since I've sent disputes last XXXX regarding to those unknown and inaccurate accounts that I found on my credit report but I haven't received any response. Im a victim of XXXX  data breach. I demand that all inaccurate and unknown accounts REMOVE immediately on my credit report or I will file a litigation that cause me stress.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/2022, I disputed {$900.00} in total charges to merchant XXXX paid with my debit card. TD Bank requested additional information, which I provided to them in writing, by email, and by the date specified. Prior to emailing them this information, I went into their XXXX branch with my documentation and they were unable to fax it to the claims dept due to technical issues. Following this, they erroneously reversed my credits claiming they never received the additional information from me, charged me erroneous overdraft fees, and made my account negative. Since then, I filed numerous complaints with the CFPB under my other email account, XXXX. and uploaded proof that they received the information, and uploaded the requested information. On XX/XX/2022, TD Bank, once again, reversed the credits, causing my account to be negative and charged me erroneous overdraft fees. Yet, on XX/XX/2022 they sent me a letter stating my credits were final, but have failed to credit my account. TD 's actions have caused me substantial injuries. They have wrongfully withheld my money for five months, despite my makjng numerous complaints through CFPB, to their escalation team, and their legal dept, which has all been in writing. They have prevented me from paying my living expenses and XXXX related expenses. This has ccausedme severe XXXX XXXX. They have ignored my repeated reasonable accommodation requests for them to fix this problem, which I most recently made on XX/XX/XXXX and XX/XX/XXXX. I submitted both requests in writing to their branch which were completely ignored.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Prior to Covid my escrow balance was in the negative and my mortgage payment went up substantially. A little after COVID hit I had to request a hold on mortgage payments. Once I was able to pay my mortgage again I called and received options. During that time my escrow was still very negative. I advised rep I would send in something to get it down as it was still a struggle to pay the higher mortgage payment. I was not told to do otherwise just list Escrow Payment on my check. On or around XXXX 2020 I called in to be removed from the forbearance program. I advised I could not pay the new mortgage amount due to it being a few hundred dollars more than what I signed up for. In an attempt to get my mortgage payment down I spoke to a rep about paying my escrow balance down. I sent in a payment that specified escrow shortage and it still got applied to the loan itself. I have called multiple times to get it resolved and now being told nothing they can do after speaking to a supervisor. 

XXXX XXXX
Consumer complaint received 2023-05-26
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-01
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. (NC)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (CA)

First attempt to resolve this issue was not effective and continues to be in violation. By law consumer reporting agencies has 4 days to remove accounts relating to identity theft. Consumer reporting agencies must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX is an account showing on consumer credit report is in violation of the FDCPA, Privacy Act, FCRA, as well as section 5 of the FTCA. Consumer demand this account to be removed immediately as consumer has already filed identity claims and other complaints against said company. Consumer will file suit against credit reporting agencies who fails to take consumer claims and immediately address them. Consumer will also seek remedy according to violations in continuing to report inaccurate and invalidated fraudulent information.
Consumer complaint received 2021-01-12
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. (GA)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

After sending letters to this company they had pass the 30 days to respond, a copy of the original letter is attached, this account must be removed.
Consumer complaint received 2023-05-26
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. (MO)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-05-26
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2022-11-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We bank with Bank of America. At times, and seemingly only when large deposit amounts are involved, they will put deposits on hold for as many as 10 days. There is never a good explanation. Excuses we have heard : 1. Can't tell if the paying entity has funds in their account - The paying entity was a multi-million dollar company fulled owned by a large private equity group that used XXXX XXXX XXXX as their bank. 
2. Potential that there could be a history of fraud on the part of the paying entity. - Were unable to share any such example of the paying entity. 
3.
Consumer complaint received 2021-01-11
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good day! 

I received your information through the FTC and also the XXXX  XXXX  XXXX  service authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! XXXX bless!
Consumer complaint received 2022-11-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I have had trouble with address reporting and cant seem to get Equifax to update my address.This is the third major address issue I have had with addresses. I contacted Equifax several times by mail and phone!! Unless this is a fake report- I have not been able to get an accurate report!! Also my address I put in letter was not updated! Instead the old address is listed as current. People rarely move into the same unit and exact apartment they lived in a year ago ... I gave my physical address and my mailing address as my XXXX XXXX XXXX Just about all of the report dates are inaccurate meaning I wasnt at those addresses those years!!! Actually my new address is not even listed?? How did this happen?? Also over phone they told me XXXX had me at loans close to XXXX. I told them to dispute it!!! It says dept of Ed loans sold on report also something is not right ...