davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (PA)

I, XXXX XXXX, assist my mother, XXXX XXXX, as her advocate in matters related to technology ( generally ) and most recently with regards to an ongoing identity theft issue and FCRA violations with XXXX XXXX . 
On XX/XX/2022 she and I submitted a complaint through the PA Attorney General 's office. As part of that complaint, multiple documents were attached as supporting data, including documentation that the fraudulent XXXX XXXX account was paid for by a XXXX XXXXXXXX XXXX corporate/business account issued to the thief -- XXXX XXXX -- through and/or for his employer, XXXX XXXX XXXX firm XXXX XXXX XXXX, PA . 

After submitting this claim, I, XXXX XXXX, received several notifications from Equifax credit monitoring on XXXX that my own XXXX XXXX XXXX credit card accounts -- which are completely unrelated to those formerly owned/used by XXXX XXXX , identity theft -- were now listed as " consumer disputes -- reinvestigation in process ''. 

As I have never had any issues with my own personal XXXX XXXXXXXX XXXX cards, I thought this strange and called Equifax ( spoke with representative named XXXX  ) who proceeded to inform me that as of XXXX XXXX XXXX initiated an investigation into my own personal XXXX  XXXX  XXXX accounts and placed the " consumer disputes -- reinvestigation in process '' wording on my credit report. 

I have never had a XXXX XXXX card. I have never paid for a XXXX XXXX card. I am not a customer of XXXX XXXX. I have never initiated an investigation for myself on any account. What I am, is an advocate for my elderly mother whose credit has been destroyed by XXXX XXXX . I have literally no financial ties to XXXX XXXX , so you can imagine my dismay at knowing that XXXX XXXX was able to access my credit file for their own investigative purposes and place commentary on XXXX of my XXXX XXXX XXXXXXXX accounts XXXX This practice seems dubious and highly illegal... 

Attached here are the Equifax notifications I received for my own two XXXX  XXXX XXXX accounts, along with the " consumer dispute '' statements placed on both of them in my credit file. 

Sincerely, XXXX XXXX, MD
Consumer complaint received 2024-03-12
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-08
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. (MD)

My credit file has suffered severe damage due to Experian negligence, with respect to the FCRA and fdcpa. Experian Report Number XXXX date generate XX/XX/2023 Experian is furnishing XXXX inaccurate and fraudulent accounts on my credit file. Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

As Experian conducts their investigation, I expect Experian to block the mentioned account within 4 business days in accordance with the law to cease the damage that has been caused. Upon completion of your investigation please furnish a new copy of my credit file to me at the address identified on my supporting documents.
Consumer complaint received 2022-02-01
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. (IL)

Hi I am submitting this XXXX XXXX without 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
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Over the past 2 years I've been receiving numerous phone calls from AWA Collections in regards to a alleged debt of ( original debt ) {$1700.00} ( interest & fees ) {$600.00} ( Total ) {$2300.00}. On XX/XX/2019, I sent AWA Collections a " Affidavit of Debt Validation '' asking for a certified original " wet ink '' signature of an contract between " AWA Collection '' and myself. On XX/XX/2019 I received a response letter without an original contract to substantiate their claim. AWA Collection did submit to me in their response, that they are aware that the debt has been " Charged Off ''. Per the FDCP a collection agency that is continuing to collect a debt that has already been used as a tax loss is considered " Unjust Enrichment '' and is grounds to be sued.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (TX)

On XX/XX/2023I received aletter advising me that my credit limit was lowered from {$6300.00} to {$1000.00}. I called FNBO and was told that it was decreased due to a late payment ( due on XX/XX/XXXX ) and also due to my credit rating. FNBO acquired the account from XXXX XXXX XXXX approximately 6 months ago. It was difficult making payments after being sole because the phone number was incorrect, however I had never been late. FNBO decreased my credit limit without justification as I also did not give permission to run my credit report and I was not applying for a new card. I believe this happened because the back did not wish to honor the credit limit that was previously authorized by XXXX XXXX XXXX. I believe this company intentionally decreased credit limits so that it could avoid honoring the credit limits. I had not used the card for over two years and was paying off the balance which is {$450.00}
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (KY)

I purchased a certified used vehicle from Mercedes Benz in XXXX of 2021. There was an incentive in place where Mercedes would deduct {$500.00} from your first payment. When I received my onboarding materials I signed up for " Auto Pay '' to automatically deduct the payments from my checking account. I received a confirmation email from Mercedes that my auto pay had been set up correctly. I received a message today requesting that I contact Mercedes. I logged into the account and there was a message saying that auto pay had failed and that my account was now overdue. A late fee was assessed. I never received notification that the auto pay failed after they confirmed that it was set up correctly. I do not feel that I should have to pay the late charge related to their own technology issues. I have made several attempts to call Mercedes but there are excessive call hold times and I have not been able to get through to a human.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MI)

I have made a massive effort to pay off my debt to Citi. Over the past 17 months I have made over {$6000.00} in payments above the minimum due. Despite contacting Citi several times, they continue to apply the payments that exceed the minimum payment toward the lowest interest rates first. They have paid off my deal at 0 % and after paying an additional {$1000.00} over the minimum last month, they once again applied a considerable amount to the lowest XXXX 2.9 % ) and less than half to the highest XXXX 19.99 % ). This has been continuing for more than a year. This is a clear violation of their Card Agreement and the Credit CARD Act. Also, In the past two months XXXX of my " deals '' have actually increased in amount owed.
Consumer complaint received 2022-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

XX/XX/XXXX I requested a another escrow analysis of my loan payment. I have recieved a new payment statement of {$1900.00} with an increased escrow monthly payment of $ XXXX. I spoke with XXXX and she was able to waive the $ XXXX " escrow reserve '' payment per my request. She advised me that I could pay the $ XXXX payment to be paid over 12 months for the escrow shortage, which added up to $ XXXX to remove from monthly payment sum. So, I made electronic payment of {$1700.00} toward escrow the same day to have this removed from my monthly payments. In addition, I notified her that I had applied for my county tax exemption and it was adjusted in a reduction of {$940.00}, which should reduce my monthly payments as well. I submitted the letter to them via PennyMac message center. I recieved emails stating that it was under review on the dates of XX/XX/XXXX and XX/XX/XXXX and should get a response and note an adjustment in premium within 14 business days. 

I have submitted two additional emails on yesterday to follow up as another payment of {$1900.00} is due. Please note, despite my above payments I paid {$1900.00} for XXXX to allow time for review and adjustments and now today is XX/XX/XXXX and PennyMac is still requesting a payment of {$1900.00}. This continuation of this payment is cause for financial hardship for me and they show their indifference in acknowledging my repeated calls and emails. 

I did call on XX/XX/XXXX after being on hold for nearly XXXX minutes, I spoke with XXXX, who said she would resolve it and put me on hold only to disconnect the call ; and no one called me back to resolve it or responded to my emails from yesterday. 

I have attached all the emails and the tax form for your review and a resolution.
Consumer complaint received 2022-02-01
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. (MD)

This letter is in response to your claim that it is not me submitted the complaints to CFPB and despite it was just closed requiring authorization although I have submitted my ID and Social Security ID to certify that it was me submitted the disputes. Again, the below items are highly injurious to my credit rating so they must be erase from there in no time.I would like you to remove and delete what is detrimental to my credit report. If you continue your willful non compliance with the law I will file a small claims from your company for violating my Consumer rights
Consumer complaint received 2022-02-01
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. (NC)

XX/XX/2021 I submitted an investigation and requested a debt validation. Equifax failed to properly investigate the account and remove the inaccurate and unverifiable information from my credit report. I submitted a debt validation request to the original creditor using the same information listed on my credit report and they responded back saying they were unable to located an account with the information provided. 

How is Equifax able to verify, report, and update account on my credit report but the creditor dont have any information regarding this account? 

I am requesting that this account be removed immediately for failure to validate.
Consumer complaint received 2022-02-01
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: Telerecovery Corporation (LA)

In XXXX of 2021 I began going to XXXX XXXX XXXX as recommended by my doctor. I received one bill from them sometime in XX/XX/2021, I suppose after they had charged my insurance. I went online to pay the bill but their payment portal was giving me issues. I called the location and, in turn, they had to call another location for assistance. I was then informed that they do not take online payments. After that call, I made several attempts to pay by cash at ghe location but was told they do not accept cash, by phone via credit card but something was wrong with their system, etc. I was supposed to get a call back but I suspect it slipped the mind of the receivables department. It also slipped my mind. I never received any other correspondence from the company. I then thought about it either XX/XX/2021 or XX/XX/2021 and went to the location to pay and was told that it had gone to collections. I was goven the information on the collections agency. That is when I found out that that agency has already reported the account to the credit bureaus. I had received to communication from the agency at all nor any communication from XXXX XXXX XXXX since XX/XX/2021. The bill was for {$280.00} originally. I pay my bills and would had no issue paying this one either. The {$420.00} includes a collection fee of approximately {$130.00}. I called the collection agency to pay the fee after having a conversation with the representative on the account. He stated to me that if I paid the agency would remove the account from my credit report. I asked for that in writing but was told that the agency doesn't have to do that and that I would just have to take their word for it. This seems like bad practice all the way around fron the XXXX, to Tele Recovery to the way the credit bureaus ( XXXX and XXXX ) handled the whole thing. This issue dropped my score from over XXXX to mid XXXX and now I have a derogatory mark on my report for nothing.
Consumer complaint received 2022-02-01
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. (GA)

My name is XXXX XXXX, back on XX/XX/2021, I submitted all proper documentation to all 3 credit bureaus that I had been a victim of identity theft and including my reports, my dispute documents and a police report and Identity Theft affidavit. The bureaus have done nothing to help me remedy this situation, they didn't send me any correspondence, and therefore have violated the FCRA, that protects us. Should I remind you that even you all have conducted the study and stated that the bureaus have failed on so many levels to protect the consumer.
Consumer complaint received 2022-02-01
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. (VA)

The credit reporting agency- Equifax has refused to correct my issue of fraudulent information, has inaccurately quoted what my request is ( i.e., stated that I would desire them to " block '' versus appropriately remove inaccurate, fraudulent, negative information from my credit profile ) and have violated my consumer rights as they have failed to investigate and provide proof of their investigation of the negative information reported on my credit profile ( i.e. 30-days under the Fair Credit Reporting Act- with limited exceptions which the reporting agency does not meet ).
Consumer complaint received 2022-02-01
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. (IL)

The accounts listed violate my privacy rights. I did not consent nor authorize for the accounts to be reported on my credit reports. 

Account XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (NC)

I was taken advantage of due to mild practice. While several laws are being broken under the Fair Credit Reporting Act ( FCRA ) by your company. This has caused financial injury, and defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan due to the pandemic under this crisis .You have hurt my ability to obtain credit.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX, back on XX/XX/, I submitted all proper documentation to all 3 credit bureaus that I had been a victim of identity theft and including my reports, my dispute documents and a police report and Identity Theft affidavit. The bureaus have done nothing to help me remedy this situation, they didn't send me any correspondence, and therefore have violated the FCRA, that protects us. Should I remind you that even you all have conducted the study and stated that the bureaus have failed on so many levels to protect the consumer.
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Case Description : XXXX XXXX seized by PayPal date that seized funds : XX/XX/2020 many time they are said it is damages cover of XXXX violation ( XXXX USD for each violation ) but no details about that violations.
Consumer complaint received 2022-02-01
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. (IL)

The accounts listed violate my privacy rights. I did not consent nor authorize for the accounts to be reported on my credit reports. 

Account Name XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX medical center