davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In investigation completed by Equifax on : XXXX. Equifax stated that it had '' Verified '' this disputed record on my consumer report. On each of the investigations, Equifax stated that it contacted the furnisher " XXXX XXXX  XXXX, Unknown '' at address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Ph : XXXX ''. This information is inaccurate as per the attached letter from the XXXX XXXX  XXXX. The correct address is " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Ph : XXXX ''. In accordance with FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. The CRA is obligated to verify the accuracy of disputed accounts with the furnisher. Equifax has violated this. I have also provided Equifax with a letter from XXXX XXXX ( Public Record Vendor ) who has confirmed and provided a report showing that they have deleted this record and therefore Equifax is unable to use this vendor in it's defense. I have not given Equifax permission to use my " Personal Information '' to obtain or report to my consumer report, which violates 15 U.S. Code 1681b ( 2 ) which requires written instructions of the consumer to whom it relates.
Consumer complaint received 2017-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (NV)

Experian is absolutely refusing to give me a receipt for the money I 've spent with them. I paid XXXX dollars for a credit freeze and they are refusing to write me a receipt. Thus comes directly from management. Their industry has let ALL of my personal information " slip. '' I have to sue XXXX  to get me money back. Experian either wo n't send me a receipt because they are trying to protect their industries money or because they are prejudicial against my XXXX heritage. Either way it is unscrupulous and purposeful.
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

PNC XXXX Fraud XX/XX/2022 1. PNC text alert XXXX withdraw 2. PNC XXXX # called immediately after I replied no to text. Bank Manager imposter said it was urgent to protect current balance by following the procedure which he walked me thru. XXXX to XXXX XXXX XXXX Fraud dept of PNC 3. NOTIFIED PNC of Fraud immediately after imposter hung up. 
4. Bank said they filed a dispute. Put a hold on my account. I have yet to get acknowledgement that they are disputing it at all.

5. Police report filed with Maryland State Police.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Paid off XXXX card in XX/XX/XXXX. 

Company decided to stop reporting my balance once paid off. 

Followed up XX/XX/XXXX and I was told a system update has taken place and they have decided not to report anymore. 

I asked if they could share my balance was {$0.00} and that they actually owed me XXXX cents with the agencies and they said that they couldnt. Possibly in XXXX. 

This has been hurting my score and has me at a 103 % utilization. 

I was also told I can not receive statements unless I make more purchases.
Consumer complaint received 2018-09-28
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)

I am a victim of identity theft and I have been a victim for years. I have mailed all the requested documentation - an Identity Theft Report along with a signed and notarized affidavit, a copy of my driver 's license and a copy of my police report with police officer contact information and badge number. I requested the fraudulent accounts to be blocked out of my credit report as permissible by law. 
According to USPS tracking number XXXX I have mailed it all on XX/XX/2018, Equifax received it on XX/XX/2018, processed it on XX/XX/2018, investigating the items instead of blocking them with no further explanation. The results of their investigation did not remove nor block any of the fraudulent accounts reported but 2 fraudulent accounts. 
XXXX has already blocked the fraudulent accounts off my credit report.
Consumer complaint received 2023-04-09
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. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I applied in good faith for the CHASE VISA signature account. After good faith application had been summited received hard inquiries on my personal consumer credit report through then received a denial notice. If any portion of this application under the reference number : XXXX has been securitized as a asset backed note under securities act of 1934, within the CHASE Bank and/or any other under SEC filled Prospectus, 10-K forms,8-k Forms and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.
Consumer complaint received 2024-03-14
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. (GA)

Today, I am following up on a previous complaint to highlight my ongoing issue of being a victim of fraudulent activity. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to delete any entries noted on an identity theft report, reference number XXXX. Enclosed, please find the necessary documentation aimed at facilitating the removal of inaccurate personal information and inquiries mistakenly recorded on my credit report. Below are the specific items opened without my consent : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX -- XXXX -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OR XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per Section 605B ( a ) of the FCRA, Credit Reporting Agencies must expunge any consumer file entries identified by the consumer as arising from purported fraudulent activities within 4 business days of receiving such notification.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Incorrect information has been attached to my consumer account. I've never lived at these addresses or owned the phone number attached. I have dealt with fraud in the past due to data breaches on behalf of this company and I am concerned about the safety of my information being harvested due to this. I would like EXPERIAN to remove all inaccurate information from my consumer report before any further damage can be done. 

At this current moment, one of the addresses is connected to a teacher 's agency. This information is displayed on my consumer report as I type this. 

I have only one address that I have had for over 12+ years and one phone number I have had for 13+ years all other information doesn't belong to my account.
Consumer complaint received 2022-05-31
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. (GA)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-07-29
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. (NY)

I try to submit a " dispute '' for their ( Equifax ) listing of a wrong previous address ( XXXX XXXX XXXX ) which I have never lived seen or touched!!, but every time i try XXXX, NY ) to submit the dispute after entering all the initial information XXXX ) they require as Step 1 of 5, they kick you out with error message : " YOUR TIME HAS RUN OUT - PLEASE TRY AGAIN '' AND it does not matter how many times you try!! 4. There is also the problem that if you lookup XXXX & last 4 = XXXX you will find the are XXXX of us with the same last 4!!!
Consumer complaint received 2020-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Minimum payment met on Capital one credit cards ( please see attachments XXXX. 

-Called in and Capital one agreed to fix their mistake. Removed from credit report XX/XX/2020. However it popped back up on XXXX XX/XX/2020
Consumer complaint received 2017-07-29
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)

This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!
Consumer complaint received 2024-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Abrahamsen Gindin LLC (NY)

On XX/XX/XXXX I PAID {$190.00} & on XX/XX/XXXX I PAID {$800.00} directly from my Bank to XXXX. Around XXXX of XXXX a judgment was made with the County Clerk. I had been trying to figure out what happened to the 2 payments that I made XX/XX/XXXX & XX/XX/XXXX but I could never get any answers. No one seems to have any answers. I called XXXX they won't communicate with me saying it's a Collection Issue and provide me with no answers. I was trying to deal with Forster & Garbus for years and they gave me a hard time. I decided to just Pay what they claim I owe even though No One has Answers for me regarding the previous Payments Not Accounted for which is very confusing. 
I completely PAID off the Judgment with the last Payment of {$970.00} which I made on XX/XX/XXXX through the Collection Agency FORSTER & GARBUS Website payfgny.com but I have still not received any notice in the mail nor has the County Clerk received a Satisfaction of Judgment. I have tried to call Forster & Garbus several different times, it is very complicated to get through but when I have, leaving voicemails as well as recently a secretary taking my callback info but I have still not heard back from anyone.
Consumer complaint received 2020-02-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Assistance Inc (WA)

i9 went to court over XXXX XXXX XXXX becouse the XXXX lord that owned my building expected me to shell out XXXX dollars a month to live in a building that was falling apoart around all the tenants mold in the walls growing out the bottom ants every were no mater hoe clean everything was black oily substance leaking into my bath and shower water wich made it imposible to clean urself went to court and paid XXXX dollars to get out of the lease they shouldnt be able to charge me for fixing all those problems after i moved and thats what this collection is
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This is not a duplicate complaint ; the issue from February was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!
Consumer complaint received 2022-06-20
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. (FL)

Experian, XXXX, and XXXX stated that these accounts were properly investigated and verified as accurate but this is impossible since the companies are reporting conflicting information which is supposed to derive from the same source? The high balance, Last verified, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore is reporting inaccurately. This is grounds for removal of this account from my credit file. 
Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy. That right has been violated. 
My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to Experian, XXXX, XXXX or any other company to furnish these inaccurate accounts and therefore they must be deleted. 

The above mentioned CRA 's are furnishing and allowing other companies to furnish information on my consumer report which should not be on a credit report according to the FCRA. 15 USC {$1600.00} ( 2 ) ( a ) ( i ) says that the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report To clarify a " late payment '' is a transaction and high balance, high utilization, a chargeoff etc are all experiences between me the consumer and Experian, XXXX, XXXX etc XXXX the person '' making the report.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian Credit Bureau failed to delete 2 addresses from my credit report. XXXX XXXX XXXX XXXX, PA XXXX. XXXX XXXX XXXX. XXXX, PA XXXX. Additionally, XXXX XXXX  as my listed employer should be deleted.
Consumer complaint received 2023-04-09
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. (OK)

in accordance with the fair credit reporting act has violated my rights Experian bankruptcy XXXXdischarged reference # XXXX 15 U.S.C 1681 section 602 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 2024-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SOFI TECHNOLOGIES, INC. (PA)

Problem : SoFi and XXXX ( SoFis payment service provider ) unethically charged an extra principal amount of {$25000.00} and its accrued interest on the private student loan even though the educational loan has been paid off completely. I called XXXX several times ( from XX/XX/XXXX to XX/XX/XXXX ) to resolve the issue, but their supervisors failed to address the issue or provide any status updates to help me. SoFi doesnt help either and they brush off the problem saying to call XXXX to resolve any issue. 
_____________________________________________________________________ XXXX XXXX : Only one student loan amount of {$29000.00} is sanctioned and disbursed to the university by SoFi.

1st disbursement is {$14000.00} on XX/XX/XXXX 2nd disbursement is {$14000.00} on XX/XX/XXXX From the second disbursement, the university returned {$3900.00} on XX/XX/XXXX to SoFi/XXXX as this was an extra amount that neither the university nor the student required. 

I paid off the first disbursement of {$14000.00} and accrued interest completely between XX/XX/XXXX and XX/XX/XXXX. 
The second disbursement of {$14000.00} and accrued interest is paid off completely between XX/XX/XXXX and XX/XX/XXXX. This second disbursement repayment transaction also includes the returned amount of {$3900.00} from the university. 

Therefore, I have technically paid off all principal and interest for the original {$29000.00}. I have shared the payment history for reference and as a source of truth. 
_____________________________________________________________________ SoFi and XXXX Erroneous Execution Explanation : Instead of closing this loan account, SoFi and XXXX created a new loan sequence with a principal amount of {$25000.00}. As I understand they subtracted the universitys returned amount from the total loan amount disbursed and created a false loan sequence i.e. {$29000.00} - {$3900.00} = {$25000.00}. But they failed to account for the repayment ( including interest ) already made. 

Im now forced to pay the installments and interests on this false extra loan amount out of fear of them reporting to credit reporting agencies for no wrongdoing of mine. The only means to contact their customer service is a phone call and the team doesnt follow up, at least via email as a courtesy to provide any status update on the issue. Every time I call them, I need to explain the same issue repeatedly and they tell me to pay the installments without any proper investigation into the problem.