davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2020, I mailed a letter to Experian about inaccurate accounts that they had listed on my credit report. They were asked to verify the account as required by the FCRA. However, it has been three months and I have not received a response and I know this is past the time allowed by the FCRA.
Consumer complaint received 2021-10-06
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. (LA)

I filed a ftc complaint XX/XX/XXXX via online at FTC XXXX as directed by Equifax. After filing my report I went online to Equifax website to send in dispute Per Mr. XXXX in the fraud department on XX/XX/XXXX. Come to find out while I was doing as requested calling original creditors to ask about letters of deletions for unrecognized hard inquiries and was turned back to Equifax. Mr. XXXX had already processed a fraudulent dispute for the inquiries I didnt recognize. This was done before I could provide my previous FTC complaint to Equifax as required per Mr. XXXX in the fraud department. I asked for assistance with deletion and was told NO even hung up on but on the other side Mr. XXXX disputed the inquiries and sent results saying they were factual even after I gave him each companys response. As a consumer I feel violated. Without my knowledge Mr. XXXX went into my consumer credit report and did as he please without my consent. I asked that each inquiry I do not recognize which is each inquiry Mr. XXXX fraudulently disputed be removed from my credit profile immediately. All are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I only disputed one address that I was lied to via Equifax dispute results on XX/XX/XXXX saying it was removed yesterday for a second time. I did not officially authorized Mr. XXXX to dispute anything else until I sent in official FTC report containing each inquiry as requested and required of the fraud department in Equifax per Mr. XXXX to remove from my credit reports. I feel violated as a consumer. I did not dispute any hard inquiries with the fraud department on XX/XX/XXXX. 

When I called Equifax back to address the issue of my consumer rights being violated by the improper use of my credit file I was told this is just something they do and the dispute results I have are not dispute results but clearly shows dispute results of inquiry disputes I did not authorize or request. When I questioned the validity of the results and asked for a supervisor of the fraud department the representative whom refused to give her name said she was not transferring the call instead hung up in my face.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/19 for {$270.00}. This is for a website called XXXX. I cancelled this. XXXX  does not have a problem giving a credit back on the card but they don't see the charge. Now I am stuck with a credit card bill for {$270.00} that I have already paid.
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (FL)

I am trying to sign up on the investing site, XXXX. In order to do so I need to link my bank account. PNC is not letting me link my bank account so therefore I can not open an investing account and claim my free stock. This is my money and PNC should be allowing me to link my bank account with this verified, trusted service.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (CA)

I sent in my police report and my notarized affidavit to the three credit bureaus and LexiNexis I received paper work from LexiNexis showing they have deleted the fraudulent account XXXX keeps sending me results saying the Company verified this fraudulent account when that is not true the company Lexis Nexis provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my Lexis Nexis file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to Los Angeles police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information XXXX is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.
Consumer complaint received 2021-10-07
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. (FL)

XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XXXX XXXX 30 days past due XXXX XXXX  60 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19
Consumer complaint received 2023-07-21
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. (MI)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2019-09-21
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. (CO)

Experian has put an illegal and fraudulent security freeze statement on my credit file. I have notified them in writing with copies of my ID and it was sent via certified mail and they refuse to remove it. They are in essence holding my credit file hostage. They are trying to make things difficult and are violating federal law. They are also refusing to report a valid AU tradeline on my credit report. Their intentions seem to be to hold my credit score down to intentionally cause me to be denied credit or to pay higher interest rates. This is the 3rd time I have asked them to remove the security alert statement and they are refusing to do so. Their illegal schemes need to be investigated. I have attached my DL, Social security card and my XXXX XXXX bill for verication if ID. I am demanding that the security alert and statement be removed immediately.
Consumer complaint received 2021-10-07
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: Io, Inc. (FL)

XX/XX/2020 I went to XXXX XXXX. I paid via insurance and supposedly still had a copay although my deductible was reached for the year, my insurance paid all costs. It was sent to collections and I never received any emails, letters or phone calls regarding this collection. When I tried contacting Receivable Management Systems, they did not answer. Their website is a scam, reviews state this is a food restaurant. I have tried disputing this a few times. I would like this to be removed.
Consumer complaint received 2021-10-06
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: I.C. System, Inc. (IL)

XXXX/ I.c . System is reporting and u verified collection on credit report by I.C. SYSTEM, INC in the amount of XXXX. Both XXXX and I.c. System are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX show in my credit report two bankruptcies as public records reported from two different courts on the same date XX/XX/XXXX in the bankruptcy court of the city of XXXX, Fl and in that of the city of XXXX Fl with different numbers of records on the same date : XXXX for US BKPT CT FL XXXX and XXXX for US BKPT CT FL XXXX. 
The public record of bankruptcy was filed in the XXXX court of initiation, but was transferred to the XXXX court where the Discharge of debtor was concluded on XX/XX/XXXX. The fact that the credit reporting agencies show how I publicly record two bankruptcies on my credit report prevents me from refinancing my home.

It is impossible by law to file two individual bankruptcies on the same date and year even so these credit reporting agencies show that I have two bankruptcies on my credit report when without a reasonable doubt they are shown on the same date and even only that of the bankruptcy court of the city of XXXX Fl. shows that it was resolved on XX/XX/XXXX and that of the city of XXXX Fl, as an unsolved petition.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear CFPB, On XX/XX/2021, I reached out to TransUnion about my unauthorize credit inquiry and they did not remove them from my credit report according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify. They did not give me any response. I demand to see the Verifiable Proof an original Consumer Contract with my Signature on it on and they did not show me anything.
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NJ)

I have been waiting results from Fed Loan Servicing for PSLF qualification of a prior employment for a number of months. Said employer most definitely qualifies for eligibility and former colleagues from this employer have recently been qualified. All required paperwork ( forms sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc ) has been filed on my behalf. Phone calls and emails have been placed ( XX/XX/XXXX ) by this employer as well as by myself however to no avail. Attempts to speak with someone directly have been futile and simply result in automated messages with recorded advice to visit the website which only perpetuates the vicious cycle.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (FL)

On XX/XX/2021 I got an alert from XXXX about a collection agency on my report affecting my credit. I immediately went to verify and confirm that a collection agency under the name of EOS CAA ( XXXX XXXX XXXX XXXX, XXXX ) representing XXXX initiated a collection attempt for the amount of {$360.00} under my name. 

I immediately reported this collection as this is not my account, as I never had an account with XXXX. 

It is important to mention that this is NOT the first time XXXX intent to send a collection company to me. About 2 yrs ago the exact same situation occurred and I reported it to the authorities, Social Security, and put a FREEZE on my credit and since then in order to increase the protection of my personal and credit, I locked all 3 credit reports on all the bureaus. Also, there is a Fraud alert on my Social Security and credit as well. 

So, PLEASE for this reason Im requesting an in-depth investigation on this matter and clear my name and credit from this collection on my report. 

Thank you for your prompt attention on this matter. 

Respectfully XXXX XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked now.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions is reordering debits to account for profit, Last Friday I had 5 transactions, got breakfast at XXXX, got gas and soda, drove to a job, and had lunch ... .at that point I had XXXX in my account, in which I withdrew XXXX. Should have been XXXX plus the overdraft fee!. Except Regions took the XXXX XXXX out first and then overdraft everything from that day. The other issue I have is they do not reflex the actual transaction date, cuz they pend stuff to profit on overdrafts and apparently now it is a new policy to XXXX people over ... .well I had a statement from them showing, that apparently they have a new policy that does change the order but they have removed all my message from the online banking webpage and I am no longer able to send them one .... 
So basically they charged my XXXX XXXX first and all the others after, causing me to aquire XXXX XXXX overdraft fees when it should have only been XXXX.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2021 I XXXX XXXX made a payment to Synchrony Bank in the amount of {$240.00} and their claiming that they never received the payment in questioned, On XX/XX/2021 Synchrony Bank did an upgrade on their system which put everyone in a pickle I was told on that date when I called in by one of their associates. On XX/XX/2021 Synchrony Bank requested a payment of {$240.00} and we only owed them {$29.00} for the month of XX/XX/2021. Well, a check was mailed out in the amount of {$240.00} and was returned before it even hit our bank ( XXXX XXXX XXXX ) I sent the documents in showing where the check was returned and I was told that the check cleared and the money is in my bank account. Even with the documents sent in Synchrony Bank is still claiming that we owe them this money. We have all documentations if needed to present to whoever needs it. My wife and I are under such duress can someone help us please with this. And my Bank ( XXXX XXXX XXXX ) is also stating that they would help us if need be. But this bank ( Synchrony ) is not budging.
Consumer complaint received 2024-02-27
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On multiple occasions, I have submitted proof of my personal information being incorrectly reporting on my credit report. This company refuses to remove inaccurate address and names that don't belong to me. I will send you my drivers license and a bill as proof of my correct information.
Consumer complaint received 2021-10-06
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. (IN)

Equifax is disingenuously tanking my credit score. I have been keeping an eye on my reports for the past several years and watched it go up and down and I've investigated as to the reasons why, and it's always been for reasons that could understand, but on XX/XX/2021 my score dropped twenty-nine points for no reason at all. The fact is that it should have risen because there were four reported balance decreases. I spoke with a representative from Equifax that double talked to me. When I asked why my score dropped so dramatically on that particular day I was told that they did not keep day to day historical data. On that day my XXXX score was and still is XXXX and my Equifax score was XXXX. It dropped to XXXX and the reason was because there were four balance decreases reported that does not make sense. My question is how could my score take a drop like take for no reason and if there were a reason why didn't my XXXX score drop if they are both using the same system to grade credit worthiness.
Consumer complaint received 2021-10-06
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 writing to dispute these accounts XXXX and XXXX fraudulently opened in my name. also, XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that these companies have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX, XXXX  and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX, XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties. 
I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened up a new secured credit card. On their website it says to make a payment by XX/XX/2021. I have no statement mailed to me, and this is fraud on their part. I called them and they are like a bunch of cement bricks, they do not get it!! They said I dont have to make a payment til XX/XX/2021!!! Really??????? Why does their website say make one in XXXX?????????? And I want my statements mailed to me. I am very upset with Cap One, they are no longer a good company at all!! If I get a late fee because they said not to make a payment till XXXX, I will go through the roof!!!
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (OK)

I have had EXTREME difficulty with Shellpointe Mortgage Servicing/ New Rez Mortgage with delayed credit reporting. Currently they have only reported through XXXX 2021. It is now XX/XX/2021 and their lax reporting issues are impairing our financial situation. I have spoken with with the company numerous times and nothing gets done until I report them. This is the third time I have had to report them for three DIFFERENT issues.