davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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. (OR)

My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, XXXX, Equifax and XXXX  barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer
Consumer complaint received 2019-11-27
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. (OH)

I have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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
Consumer complaint received 2022-10-03
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: CB1, Inc. (CO)

On XX/XX/22 I sent CBM collections a letter requesting a validation of an alleged debt they placed on my credit report. On XX/XX/22 They sent back a ledger that was made from their office. Also my understanding debt collectors are required to identify themselves when they attempt to collect a debt as well as note that any information you give them will be used in an attempt to collect the debt, which it is NOT marked anywhere on their " ledger '' they sent me. On XX/XX/22 I sent them a cease and desist and failure to validate the debt and requested they remove the account immediately considering they have violated more than one FCRA and FDCPA laws. 

They have not responded since, not have they removed this account from my report. 
I have included all correspondence as well as my credit report.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (MI)

There was an unauthorized pay a friend transaction posted to my account on XXXX in the amount of {$450.00}. Sofi was contacted and my account was put on restriction. Sofi investigation team determined my husband 's account was hacked and found an email on his account details that did not belong to either of us. We changed our passwords and sofi told us there was no time frame for the investigation to be finished and to just keep checking back. My husband and I both called sofi to do the identity verification checks. On XXXX I logged into my account to check if anything has been updated and found XXXX more unauthorized charges were pending in my account for {$650.00} and {$270.00}. I immediately called sofi customer service because my account was supposed to be restricted so I was confused on how someone could even pull money from the account. Another dispute was created and they assured me the charges were pending and they would deny authorization because of the restricted account. The charges indeed went through and the money was removed from my account on XXXX. I contacted sofi again and they opened a dispute on the charges. The dispute was closed on the same day with an email stating they investigated the charges and they do not consider the charges to be fraud and will not be refunding the money to my account. They will not transfer your call to the investing team, or management, or anyone higher than the customer service rep who answered the call. They can not provide more detail than they see a dispute open, and change your password. They do not have a time frame for when an investigation will be completed. They do not properly investigate the cases or allow you to submit any documentation proof that your account was hacked or that money was stolen. I have attached a copy of the phone number saved to my husband 's profile that was being used to access his account. The phone number does not belong to either of us
Consumer complaint received 2023-01-19
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. (NY)

My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXX 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including XXXX. 
Phone number that is registered with account is XXXX, added is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment XXXX very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (WI)

I have been an American Express Customer for nearly 2 years. I was recently approved for a number of business credit cards with AMEX. Suddenly, over two weeks ago, they blocked all my cards while they perform a " review of my information '' they requested bank statements which I sent multiple times for their review team immediately and have called nearly daily for an update of what is taking so long. They said they accept my XXXX statement but can not confirm my XXXX statement?? I sent them together. I have bills that come off of my AMEX cards that are being denied. Now they want to call my bank. 

This is private information I have already given hard copy proof. American Express policies dont superceed the law. I am a federally protected consumer under the Code of Federal Regulations and this a breach of privacy for AMEX to demand a phone call with my banker after I have already given them hardcopy proof that I have given them via statements. Where in the law does it state this is required to open up credit? Or that they are able to do this under the equal credit opportunity act. 15 U.S. Code 1691 ( a ) ( 3 ) Please look up this U.S. Code to see what they are doing is DISCRIMINATION and is completely illegal.
Consumer complaint received 2023-01-19
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (PA)

updated complaint CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX Depository XXXX AMERICAN EXPRESS NATIONAL BANK it is public law that the XXXX XXXX XXXX it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice. An agreement was put in place as a result of undue influence, the application process would not let me move forward with the application unless I agreed and left me no other options to move the process forward. i am sure that would not have in my reasonable mind agreed to the terms they presented to me. This was an extension of credit and if I had known that i would have discriminated against with this Company like this i would have taken my credit sale to to more truth worthy bank. Someone breached their fiduciary duty because my right to opt out was either altered or not included when i was influenced to complete the application process which would leave American Express unjustly enriched by the " terms ''. I wasn't given full disclosure that I had the Option to opt of having my non pubic personal information shared with any third parties. Us young people today have a reliance on the terms and agreements provided to us by the financial institutions, and these practices have left me in extreme emotional and financial turmoil. American Express has been in Business long before I was born and today could not possibly expect me or any other young person us to understand the legal jargon in terms and agreement. It is should be written in plain langue according the Plain Language Act so that any reasonable consumer could and should understand what is being presented to them. as I could not understand the great number of pages that was presented to me in simple terms. Who authorized this method of extending credit and costs thereof in American Expresses company. I did notice that if i were to have the account opened under their current policies have been underwritten on the basis to make repayment to the balance. Is this an attempt finance an Extortionate extension of credit because it looks a lot like XXXX XXXX. American express needs to ensure thats its company has a process to take prompt corrective action if the decision-making processes it uses produce deficiencies or discriminatory results.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I had an account with XXXX. I ordered two items. An headboard and modern sofa. I returned the sofa because I did not like it. The other item was an upholstery headboard which was only {$110.00}. I made my payment and verified with the representative after me paying the last XXXX since I owed nothing. She justified that. A year later XXXX hit my account stating I never paid. I called them and the representative said she didnt know why it was on my credit. I paid them off and it should not even hit my credit. They had no explanation. I asked if they could send the notes from my account where they saw it notated I dont owe anything. I have been reaching out to XXXX  more than a year. They have now sold my account the second time to midland credit management where they are saying I owe XXXX and calling and harassing me. I do not owe them XXXX. They should not even have my information.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX is Showing inaccurate information on TransUnion, XXXX, The activity date is wrong also the opened date they do not match. one is showing open and one is showing closed. I have tried reaching out to them but to no avail.
Consumer complaint received 2022-12-28
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. (LA)

I have previously sent a letter to TransUnion, and XXXX XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, TransUnion, and XXXX have 30 days to respond to my dispute. This a violation of my rights.
Consumer complaint received 2022-12-28
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. (AZ)

RECENTLY, I LOOKED AT MY CREDIT REPORT AND IT BROUGHT ON A TREMENDOUS SADNESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.THIS IS HARMFUL TO MY HEALTH AND A DEFAMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DID NOT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) accuracy of reportof the United States Code 15 usc when a consumer reporting service creates a report on an indivdual, they are required to take reasonable measures ensure accuracy
Consumer complaint received 2021-06-02
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. (NC)

For whom this concern, I have been really XXXX XXXX XXXX XXXX to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the XXXX site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the XXXX off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.
Consumer complaint received 2020-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Two fraudulent credit card accounts have been opened with my social security number at Capital One. I have had this confirmed through multiple departments at Capital One. Upon being transferred to their fraud department I have been told that they can not confirm this or verify any information, and that they can not help me. Despite the fact that I have already verified through other departments that there are multiple fraudulent credit cards issued with my information by their company.
Consumer complaint received 2021-06-02
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 no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.
Consumer complaint received 2020-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (IL)

Lending Club agrees to allow customers to make payments securely through their website. They performed system maintenance over the weekend of approximately XX/XX/2020. Since that time the payment system has not worked and not allowing payments to be made by the consumer. The website as of XX/XX/2020 still will not allow secured electronic payments. They send harassing emails daily threatening late fees if you do not call a number or send confidential payment including banking information in an unsecured email. They also try to trick the consumer into giving them the same confidential information over an unsecured phone system. I spoke with 'XXXX  ' who tried to force me to give her the same confidential information over the phone without a guarantee the information would be secured. I insisted they fix their website so I have the protection of my bank and Lending Club accepts liability for any fraudulent access to their systems. They refuse. I have contacted them 4 times via their message center and twice by phone. 'XXXX  '' has no operator ID or any other proof she works for Lending Club to give the consumer the assurance the information will not be violated. Lending Club has in the past violated payments by processing them late or too early so they can assess fees. They are trying to impose fraudulent late fees because their payment system is not working. According to the XXXX XXXX XXXX, payments sent by check are often not processed on time resulting in more late fees imposed by Lending Club. I am trying to schedule a pay off of the loan however they will not fix their website to allow for the payment to be made and an immediate confirmation received. This company operates by intimidating consumers and assessing late fees by shutting down their electronic payment systems.
Consumer complaint received 2023-05-12
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. (OH)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2020-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AZ)

My XXXX y.o mother has a checking account with PNC bank branch : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX She does not have a debit card, as so she does not have access to her funds with this bank. 
The bank has closed, the bank phone has no information ; in fact, the phone rings until you get a XXXX error message. There is a sign posted on the door of the bank saying it's closed, with no other information. 

This bank branch is in a community of elders and vulnerable adults. XXXX  XXXX XXXX is one of the largest retirement communities in the country. PNC has closed this branch, ( the closest open branch is in XXXX XXXX, FL, ; XXXX XXXX XXXX XXXX , XXXX XXXX, FL and is only accessible by car, if you are lucky enough to have one.  The faster route to the open bank is logged at 40 miles  from the XXXX XXXX branch via XXXX XXXX. 

PNC 's decision to close the branch, along with the reckless lack of communication to its patron is unconscionable. It's as if PNC has deliberately closed this branch, where they know its patrons have limited access and mobility and are unable to access their money.
Consumer complaint received 2020-03-26
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. (FL)

I'm trying to purchase a home and my credit report was pulled twice the first report was accurate at the time it was being pulled then the lender pulled my credit again and old information showed up on my credit report ie child support, credit acceptance, web bank, and professional adjustment which isn't mine I reached out to Equifax and asked them what was on my report they said child support, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I said to them that I'm looking at my file on my Equifax dot com and  the credit file I see as of XX/XX/2020 says different and besides the XXXX XXXX it's the accurate report. Equifax is not reporting any of my positive credit on their side but on the web site the positive credit is being reported but they are reporting all of the old stuff causing me problems with the purchase of my home this is not the first time I've had a situation with Equifax and I'm prepared to file a lawsuit in Federal Court. note : when I contacted them I was told to hold on while they research the issue and I was hung up on.
Consumer complaint received 2020-04-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

Equifax refuses to fix to fix credit i have called each of the company 's and have no account with them this has been going on since XXXX up XXXX they proof they refuse to investigate .The problem is our information is is shared so many times with one company i no of XXXX XXXX XXXX, they never fix the problem but pay bounty 's to Hackers when you file a disputes this is what you get, he information you disputed has been received. The results are : Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly, ever time, it getting old the data breach did nothing. i like fic and investigation it not hard to pick up phone like i did and call, if can you can pay out thousands of dollars to XXXX and one other company to hack you should pay for your mistake, this is proof they don't investigate, i never lived at this address, XXXX XXXX XXXX, XXXX XXXX, NC XXXX This is a fraudulent address. it says it part of my factual record. what a joke