davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (UT)

I have disputed the XXXX dates being incorrect for last payment and last reported a number of times with Equifax. They decline to do any disputes even if done through the CFPB by sending me the attached letters making demands they really don't have a right to do. I have disputed by phone and on this platform. Each time they refuse to do the dispute but send me letter demanding identification, for which I thoroughly refuse to send. I've identified myself on this site and if that isn't good enough for them, maybe it's time to go to court. 

XXXX XXXX recently fixed the inaccurate information on XXXX 's dates being reported, I did that over the phone the same day I called Equifax. Equifax reps treated me poorly and were absolutely rude! That's unacceptable behavior and extremely unprofessional! No matter a debtor comes off to them they should always remain professional! They didn't and they weren't. They pretended not to understand why I was disputing the dates, told me the creditor was the one reporting them incorrectly which I believed that, and told me it would take some time to go back to the lender. They never did, instead I got the attached letter from them. I've received several of these same letters in the past 2 weeks. 

If XXXX XXXX can fix it then why can't Equifax. XXXX XXXX 's attachment proves the dates are incorrect and the lender gave the correct dates. Equifax needs to acknowledge and fix the problems.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (FL)

CFPB + Equifax, This complaint is in regards to many inaccuracies on my Equifax credit report dated XX/XX/2023 that need to be corrected. 

Attached to this complaint are : - My drivers license- shows my identity and address - My written complaint detailing each incidence with proof Please have these corrected as soon as possible.
Consumer complaint received 2020-02-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Experian Information Solutions Inc. (CA)

XXXX, XXXX, and EXPERIAN each has reported a collection account including from XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California Children 's Health Insurance Program ( CHIP ). XXXX, XXXX, EXPERIAN and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a high fever simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll them.
Consumer complaint received 2023-07-04
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. (FL)

Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXX, account number - starting with - XXXX Department of ED/XXXX account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXXXXXX XXXX, account number - starting with - XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number - starting with - XXXX XXXXXXXX XXXX XXXX account XXXX XXXX - the debt has been paid, please remove this account XXXX XXXX XXXX account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account number - starting with - 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 an 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 or 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. 

Thank you for reviewing my request, please confirm you have received it and will delete these accounts within 30 days. 

Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A large loan keeps showing up on my credit report. Ive never heard of the company and never applied for any loan of any type with them. It is severely affecting my credit score because the fraudulent account has 5 missed payments, and its not a company Ive ever heard of it dealt with in any way, shape or form.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

This complaint is about Equifax. 

In XXXX the OPM ( office of personal management ) was hacked. A short time later XXXX XXXX XXXX XXXX was hacked.

We put credit freeze on Equifax, XXXX XXXX, and XXXX.  

With the Equifax web sight I has problems and they never sent us a PIN number to be able to lock or unlock OUR data. My wife contacted Equifax for help and after security questions we answered Equifax sent two letters to our mailing address. The one for my wife stated that they had no record of her. How could they have no record of her when she has received a credit report every year for about 15 years. 

For myself, I received an E-Mail from Equifax stating : " Recently, we attempted to deliver a letter to the mailing address on your credit file, however the mail was returned.Please contact Equifax at XXXX  to complete the verification process and begin using your product. Thank you for contacting Equifax. '' My mailing address has not changed from when I received it in XX/XX/XXXX.

Equifax told me in order to receive a PIN Number to mail them information : A copy of my drivers license, My SS #, Two utility bills with my name and and mailing address.

After being irritated for 3 to 4 days because of Equifax, I received a PIN # by US Mail.

Coming from a company that has been hacked and took a very long time to report that our information may or may not have been compromised. They can not even keep our information safe let alone keep track of information that can affect you future.
Consumer complaint received 2023-10-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I opened an account some months back with XXXX XXXX XXXX. Their service was nearly flawless, and is not the subject of the complaint. 
On XX/XX/23, I received notice that XXXX XXXX was selling their accounts to Comenity XXXX XXXX. I was told that I would receive my new account # in the mail, and everything would switch over. I never received a new account number, except for a masked number that only showed the last XXXX digits. XXXX does not allow me to log on to their site to pay, view, or manage the account without having the full account number during registration. Comenity states in their messagine that they sent me my account number XX/XX/23. I have received nothing, and my XXXX XXXX XXXX has shown no missing letters that may have been sent by XXXX. 
I tried to log on to XXXX 's site to pay the bill XX/XX/23, and was rejected because I do not have the account number available. I then contacted the company by phone, and they said that they never sent an account number out. They stated that there were " Account technical problems '' that they needed me to contact them to fix. They now promise that this time they will send my account number, but state it will be XXXX weeks to receive it. In the meantime, I still can not access my account, and the bills are due. I do not believe that they have any intention of sending me my own account information, and are hoping that I will forget about them so that they may charge fees.
Consumer complaint received 2019-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 23 and 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I am asking Trans Union and XXXX to update my XXXX XXXX credit change my status from late to current. I wrote the CEO of the company and he fixed it for me on my file and they have not updated it yet.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a credit card with Bank of America that used to carry balance. I paid off balance in full in XXXX, but in XXXX I was charged {$1.00} minimum interest fee. I called the bank and their representative was trying to convince me that it's an interest on purchases. However, in my statement it's clearly stated that no balance was subject to interest rate. After I pushed for connecting me with a supervisor, the representative talked to someone and gave me unclear explanation of the situation. He claimed that the change appeared because I had balance in the previous cycle and was subject to interest rate charge, which doesn't make sense since I paid the balance off. This month I made sure to pay off my balance and took sreenshots of my account to have a proof, yet I was charged another {$1.00}. It's not that much cheaper money, but it's very unfair that Bank of America keeps charging me and their customer support can't even provide explanation of the charge.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My credit score was XXXX 3 months ago. I obtained a new credit card and have XXXX dollars credit. I charged XXXX dollars on the card and repaid every dollar on time or before time. I have no late payments and my score went down to XXXX in 3 months. It should have gone up.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

I applied for a Chase credit card on XX/XX/2023 and got denied. I have the right to credit. Withholding my access to my securities is security fraud, you are violating the equal credit opportunity act and consumer credit protection act. Since you are denying me my credit, please retract my application. Thank you XXXX, XXXX XXXX Attorney in fact for XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

Navient continues to allege that I have three loans l with them. They continue to harass me and cause me see XXXX. I lost my job and have no healthcare and told Navient that there was no way that could ever make Ann payments on any alleged debt even when I was employed making less than XXXX a year with XXXX in debt ... the harassment from Navient will not make money magically appear and the harassment is causing a great deal of XXXX and misery ... Navient continues to add on fees, interest, has no realistic payment options for any alleged debt and all they do is stalk and harass me with robo calls regardless of the time of day and even when I told them to cease and desist they continue to harass me.. this is a predatory company that does nothing but harm people.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I applied for a bank of America Allegiant visa signature card on XX/XX/2023 and got denied. I have the right to credit. Denied access to my verified account Withholding my access to my securities is securities fraud. You are violating the equal credit opportunity act and consumer credit protection act. Denying me access to my credit is discrimination.
Consumer complaint received 2023-06-30
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: Fidelity National Information Services, Inc. (FNIS) (FL)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: IQOR US INC (TX)

The agent failed to identify themselves as a debt collecter, and would not provide contact information about the company. They gave me the run around and would not supply me the name of the company, nor a contact phone number. 

After speaking in circles the agent, XXXX XXXX, let it slip that they worked for Allied Interstate, LLc. 

The phone call took place XXXX CST and lasted 13 min and 39 seconds before the agent hung up on me.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CO)

I called and canceled my XXXX service in XX/XX/XXXX because we moved and sold our home where services were registered. The rep wouldn't take no for an answer, but after more than an hour of arguing with them to cancel, not suspend my services, they finally agreed to cancel effective XX/XX/XXXX. Turns out, they ignored my request to cancel and ended up suspending the account for 6 months. I started getting bills again in XX/XX/XXXX and charges started accruing on the account again. Between XXXX and XX/XX/XXXX I called XXXX XXXX times and finally got them to close the account in XX/XX/XXXX, but not before {$560.00} had been accrued on the account. The rep told me that if I didn't pay that amount, the account would end up in Collections, but that only the XXXX Corporate Office could authorize cancelation of the amount due. The rep informed me that they submitted an " Escalation to Corporate '' and I would be contacted with two weeks. After not being contacted by Corporate, I called the rep back and they informed they submitted a second escalation. Again, I never heard from them. A few months later I start getting collection notices from Credence Resource Center. Since then I have disputed the charges with Credence twice, with XXXX twice, placed several more calls to XXXX, and submitted a complaint to XXXX 's compliance office ( never heard back from them either ). Every time I dispute the charges, all XXXX does is send the statements from between XXXX and XX/XX/XXXX to " certify '' the charges with absolutely no mention of the more than 20 times I have attempted to dispute the charges as fraudulent since they were placed on my account several months after I initially canceled the account because we no longer lived at or owned the residence where these services were located. As a result of this, my credit score has dropped by nearly 100 points.
Consumer complaint received 2019-04-17
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. (FL)

I have closed a POBox address that I've used as my primary address for over 15 years. I have sent in documents, called, tried using the online forms, and no matter what I do I can not get Equifax to remove this POBox from my credit file. It's listed as my primary address, so any correspondence they may try to send me will goto that old address, and I will not receive it as the year of forwarding has expired.

I tried again today to get this corrected. I have three address on file with Equifax, the POBox, work and home. I now need my home address to the the primary address on file and the POBox removed.

When I called, they verified my SSN #, birth date, all the addresses on file, the open car loan and monthly payment amount, a credit card on file balance and monthly payment, but because I could not tell them the month and year I received my last credit report in the mail, which was 5 years ago, the will not remove the address.

I have tried mailing the request in, but somehow that doesn't work either. And since I don't get mail delivered to the POBox, I haven't received a response to the request I mail in manually. 

So Equifax has left me with no way to correct this issue.
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NM)

I made a sale on the platform XXXX on XXXX with the proceeds sent by PayPal. PayPal immediately put these funds on hold, offering to release them a day after delivery if I uploaded the tracking info. I immediately provided this info but the funds werent released the day after delivery on XX/XX/XXXX. I was then provided a release date of XX/XX/XXXX which is today but the funds are still on hold.
Consumer complaint received 2019-04-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: First Associates Loan Servicing LLC (NJ)

I attended XXXX XXXX online for XX/XX/XXXX - XX/XX/XXXX and while attending the school i had issues and after I graduated due to them shutting down and them being unable to provide the services they promised me. From using there School Cost Estimate Calculator, I gathered they also charged me the same rate as a person who physically attended the school which was approximately {$250.00} per credit hour over what I was original told and ended up paying exactly the same as a person that went to class there including room and board.I was not told until after i signed up, because the admissions representative said they handle the paperwork to make it more convenient for me, that some loans were private at a ridiculous interest rate and made it seem that they would all be Federal Loans. Also, I was promised that i would get aid in finding a job but all that was provided was the same leads that I found on XXXX, XXXX, XXXX, etc but originally was told that had " unique sources to find the perfect job suited for a career in XXXX XXXX '' which came from XXXX XXXX ( Director of Career Services  ). The experience i had with XXXX infuriated me and now it seems that my hard earned degree is virtually worth nothing except the paper my diploma was printed on and the fact that despite much effort, I still do not work in the XXXX XXXX field. I have included a more in depth letter entitled " Dispute Letter '' in the attachments section.