davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Equifax states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Equifax is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Equifax is stating they provided.
Consumer complaint received 2024-02-20
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)

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 Bureaus, 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe. 
3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account. 
XXXX. Proof that you are licensed to collect in my state. 
XXXX. Your license numbers and XXXX XXXX XXXX XXXX XXXX XXXX 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2024-02-20
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)

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 Bureaus, 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document Please provide me with : 1. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe. 
XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state. 
XXXX. Your license numbers and XXXX XXXX or XXXXXXXX XXXX XXXX. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

On XX/XX/2019, I requested that Equifax Information Services LLC place a security freeze on my credit report. I am a XXXX year-old XXXX. Equifax 's website makes clear that, if it has not yet established a credit report, and the XXXX  consumer requests a security freeze, Equifax will create a report and then freeze the report. ( https : //www.equifax.com/XXXX ) On XX/XX/2019, I received a letter from Equifax stating that it does not have a credit file for me ; however, Equifax did not establish a credit file and then apply a security freeze to that file.

I filed a complaint with the CFPB on XX/XX/2019, and the defendant " responded, '' two full months later, that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. The person listed as an additional contact on the original complaint was my father. Again, I am a XXXX. And my complaint specifically authorized my father to receive information related to the complaint.

The CFPB 's response dated XX/XX/2019, states that : " If the consumer did not receive a response from the company, the account holder or borrower can submit a new complaint without listing anyone else. '' I received no response from the defendant. Now, in order to remove this stumbling block that the defendant has erected, I am hereby refiling my complaint and not listing my father as a person authorized to receive information related to the complaint.

Your turn, Equifax. What bad-faith argument will you raise next in an effort to not do the right thing and simply create/put a security freeze on my credit file?
Consumer complaint received 2022-08-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have sent numerous complaints to Equifax regarding the validation of these accounts and received no reply. Equifax has responded to my CFPB complaint stating that they will investigate within 60 days. The FCRA requires that credit reporting agencies and furnishers, like creditors, investigate disputes within 30 days of receipt of the consumer 's dispute. Equifax has had over 60 days to investigate and is now in violation of the FCRA. The accounts are to be deleted immediately or litigation will be my next course of action.
Consumer complaint received 2023-02-23
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)

On XX/XX/2023, I sent Experian a dispute letter because there were two accounts on my credit report that I do not recognize and are reporting inaccurately. Experian opened my dispute on XX/XX/2023 and stated that they finshed their investigation on XX/XX/2023, and i have attached a screenshot proving this timeline from my Experian account. I find it hard to believe that Experian verified the accuracy and validity of these accounts in 24 hours, and if so I am requesting they provide me with their procedure of verification. I know that these account have many inaccuracies, one big one being that both these accounts have the same account number, but different balance, If i am not mistaken, that is a clear FCRA violation, as there should not be duplicate accounts on ones credit report. It is also violating this FCRA law ; Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I have included a copy of my credit report directly from their Experian website to serve as proof of their inaccurate reporting. In addition, Experian claims to have investigated my dispute but yet the Status Update Date did not change, which means they did NOT investigate these accounts, a blatant violation of non-compliance, which I should seek legal suit for! Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! The inaccuracies present in my report have been detrimental to my credit worthiness and my overall quality of life. It is affecting the chances of me obtaining a home and also affecting my job with the Department of Defense. I am asking you to please keep Experian accountable for this inaccurate reporting and non-compliance of FCRA laws!
Consumer complaint received 2021-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (ME)

I have XXXX in my paypal balance that has been there for over a year but they will not allow me to transfer, receive or do anything with the balance. I just receive a message that states I can not use paypal anymore and that my my balance will be help for 180 days. It has been over twice that waiting period and I have not received an email or have access to the funds
Consumer complaint received 2021-12-27
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. (FL)

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/2021 and XX/XX/2021 but nothing has been done.
Consumer complaint received 2022-08-31
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. (TX)

Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire XXXX, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my XXXX XXXX XXXX out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.
Consumer complaint received 2021-12-27
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)

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021 and XX/XX/2021 but nothing has been done.
Consumer complaint received 2021-12-27
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. (PA)

After communicating with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX team XXXX  days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or Experian, XXXX and XXXX failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.
Consumer complaint received 2022-08-31
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. (RI)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX  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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have made numerous attempts to rectify the matter regarding my student loans with XXXX. After receiving correspondence that my student loans were in deferment last year due to the government protections put in place because of the pandemic, this year in XXXX, XXXX made all of my loans due and has reported me delinquent to all three credit bureaus for 6 months. In addition, interest has continued to accrue and I have received numerous calls and notices in the mail regarding the loans. I was once advised that the loans were not federally backed loans which is in contrast to the way they are reported on the XXXX site as XXXX loans. XXXX loans fall under the protections that XXXX and the XXXX of the United States have put in place since XX/XX/XXXX. 

XXXX is taking advantage of student loan borrowers and destroying personal credit that so many of us have worked so hard to build.
Consumer complaint received 2019-09-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A. (CA)

I signed up with MY PAYDAY LOAN for a short payday loan. I later signed up for debt consolidation and a revocation letter was sent to them and request for validation of debt by my debt consolidation company. The company is oversees and unable to provide validation. After the revocation letter they continue to take interest payments of {$180.00} and continually changes the way the take the payment to avoid stop payments. The submit as a check instead of a ACH payment. Can you please help me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-02-20
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 was a victim of identity theft and this is my request to remove the negative items from my credit file resulting from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$14000.00}
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

In XXXX Citibank Costco XXXX card generated 2 fraud charges. Citi disputed both PLUS XXXX prior charges on my account. Customer service referred me to the fraud dept. who admitted it was Citi 's problem but became unresponsive after several calls. Finally, I was referred to Executive Response Team ( ERT ). After several agents failed to address, I finally got one who took up to XX/XX/XXXX to clean up the account. I was told I didn't need to pay balances due to the confusion over actual amounts owed until the cleanup was complete. Interest and fees were waived at this point. Citi even compensated me for some time spent ( not nearly enough ) knowing they made the problem. Citi then over corrected for the disputed charges and I had to point out the math for that and they agreed to my number. After being advised all fixes were made, as agreed with my ERT rep, I paid all balances legitimately due on time as I have always done for years. Thinking all was good, the next bill came in with about a {$300.00} interest charge for the last month of cleanups. I disputed this with the ERT rep and she said she could not make further adjustments and I needed to pay it. I wrote a letter to Citi 's CEO but it was just referred back to the same ERT group who refused to discuss this matter further with me. I plan to go to small claims court if I can not get this resolved through this process.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has pull my credit report and place two hard inquiries on my XXXX credit report and then approved me for credit card then canceled it within mins with business plum card and told me I had a previous card with them which I didnt apply it was due to disputes abuse but I never applied for XXXX XXXX card or used it and they didnt give me the option to filed a police report and keep sending me harrasing letters to my address They wont remove the credit inquiry They wont restore my access to my plum credit card I didnt not apply for any previous American Express cards and I will be getting these old accounts removed off my credit reports
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

In case number XXXX, Shellpoint falsified documentation to XXXX XXXX. Shellpoint falsified that my payment on XX/XX/2021 was for my second XXXX trial payment in unethically make it appear as though I did not complete the trial modification. 

This complaint is about their falsifying information to XXXX XXXX. The reason they did it is because after I successfully made all three trial payments they claimed to have returned the third trial payment. 

XX/XX/2021, I paid {$1000.00}. The amount on the offer letter. 
XX/XX/2021, I paid {$990.00}, the trial modification amount on Shellpoint 's official statement. I asked Shellpoint to clarify the difference. Shellpoint refused to respond. But, Shellpoint cashed the check and did not say it was short. 
XX/XX/2021, I paid the {$1000.00} plus the {$22.00} difference for XXXX since Shellpoint never responded. After I was able to make the payments that they did not think I could make, then they went to plan B. 

For paying their statements and making up the {$30.00} difference, Shellpoint revoked my trial modification. In an attempt to hide how predatory and unethical they are, they falsified to the XXXX XXXX that I did not make all three trial payments.