davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
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: Experian Information Solutions Inc. (AL)

Dispute-Hard Inquiries : XXXX XXXX XXXX XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs. 

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries. 

Called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX asked for my full ss # l/name- Stated no info found, since I dont have an acc w/ them- & they cant verify the inquiry- said call Experian back.

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Consumer complaint received 2020-12-22
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. (GA)

I have contacted both the Finance company and the credit bureau about this issue on several occasions. After speaking with a representative at the XXXX XXXX XXXX XXXX she advised me to file a dispute which should fix the issue. However, teh fix has not been corrected. I have tried to contact them on several other different occasions only to get teh run around. 

I paid my payment on XX/XX/XXXX as indicated on my bank statements. The payment was due on XX/XX/XXXX. Therefore, was was never 30 days late on this payment. Their system posted the payment on XX/XX/XXXX which is not correct. I was advised that is may have been a system error based on the time that i logged in.
Consumer complaint received 2019-09-20
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. (FL)

I regularly monitor my credit history and scores through XXXX XXXX and another service. My EQUIFAX score is consistently in the XXXXs. I thought the score scale runs to XXXX. 
I recently purchased a car. XXXX XXXX reported my equifax score at XXXX. The same week my monitoring services reported it at XXXX. I called EQuifax to inquire about the scale and how I could have 2 different Equifax scores in the same time period. The individual on the phone did not understand the question the first 6 times I asked and gave me silly stock answers to questions I was not asking. When he seemed completely confused he just hung up on me. 

The process to get through to a live representative to ask a " non-standard '' is cumbersome and invasive. It's clearly designed to make people give up and go away. The inability of the the rep to answer what should be a simple procedural question or go to someone and get an intelligent answer shows complete disregard for the needs of the consumer. 

Clearly scores at either level are not going to be a credit problem for me, but I have a right to understand what they are reporting about me and they have a duty to explain themselves. 

I tried XXXX XXXX. while much more polite and attentive, their representative was equally clueless about the process. The credit guy at the car dealer did not even seem to understand the question.
Consumer complaint received 2022-05-14
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. (RI)

XXXX XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 


I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXXXXXX XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2019-05-01
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)

There are some accounts that were paid by insurance reporting on my credit report as unpaid. I have sent a letter to Experian, asking them to correct the accounts, but they have not responded yet. Its been more than 30 days, and they were supposed to have gotten back to me by now. I am uploading a copy of the letter I sent to Experian.
Consumer complaint received 2020-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I HAVE BEEN DISPUTING THIS DEBT FOR SEVERAL YEARS NOW, THIS COMPANY HAVE BASICALLY REFUSE TO VERIFY THIS DEBT AND KEEP REMOVING AND REINSERTING THIS DEBT ON MY CREDIT THEY HAVE YET TO SEND ME ANY PROOF THAT I SIGNED ANY DOCUMENT WITH THEM OR OWE THIS AMOUNT, MY LAST DISPUTE WAS SENT OUT LAST MONTH XX/XX/2020 AND ON XX/XX/2020 I CHECKED MY CREDIT REPORT AND THE REMARK WAS DELETED AND THE NEXT DAY I CHECKED AGAIN AND THE REMARK WAS BACK ON MY CREDIT. AND THE ONLY THING THS COMPANY IS SENDING ME IS A PACKAGE OF BILLS, NO CONTRACT OR ANY SIGNED DOCUMENTS, AND A LETTER SAYING THEY CAN NOT COLLECT ON THE DEBT.BUT THEN THEY KEEP REPORTING IT ON MY CREDIT. 
THIS IS HOW PORTFOLIO RECOVERY DO BUSINESS.THIS IS NOT ACCEPTABLE.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is a follow-up to complaint filed under XXXX. A representative ( XXXX ) called and left a number with her extension, XXXX, ext XXXX. This representative called on XX/XX/XXXX at XXXX. She stated that she was calling from Capital One 's executive offers regarding a concern I had. 

I have attempted to reach her at this number 5 times, some of which I left a voicemail. During my last attempt, today XX/XX/XXXX at approximately XXXX, once given the option to press 1 to dial an extension, there was no option to do so. 

It appears that the company is not genuinely interested in resolving this matter, rather pacify CFPB and me, the consumer, with a message from their " executive office '' with no intent to return a call.
Consumer complaint received 2020-02-09
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. (IL)

l have wrote ( 3 times ) XXXX, XXXX, and Experian about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX XXXX. I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus, XXXX is verifing me by my last 4 Social Security # s. They can not do that either.
Consumer complaint received 2022-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

I've consolidated my Navient owned loans with XXXX XXXX. The process was deemed completed on XX/XX/XXXX. Navient says that I have a payment due on XX/XX/XXXX and each representative has given me conflicting information. The first said there was no record of a consolidation the second said there was record transfer information on XX/XX/XXXX, but that I still had to make payments to Navient or my account would be delinquent. There was a lot of conflicting information from each person I spoke with and I had to call back several times because I was disconnected. There are now two loan balances from both XXXX XXXX and Navient in different amounts.
Consumer complaint received 2019-04-29
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. (IN)

My identity was compromised while I was oversees XXXX in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (TN)

ON XX/XX/2020, I SENT PARAMOUNT RECOVERY SYSTEM AND XXXX XXXX XXXX LETTERS FOR THE ALLEGED DEBTS OF XXXX ( XXXX ) XXXX  XXXX ( XXXX ) THAT I DO NOT OWE.I HAVEN'T RECEIVE ANYTHING FROM NEITHER OF THEM CONCERNING THE DEBTS AND I HAVE ATTACHED COPIES BELOW FOR YOUR ASSISTANCE.
Consumer complaint received 2020-12-22
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: EQUIFAX, INC. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from Equifax, XXXX, and XXXX. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested my free annual Credit report from TransUnion as I do every XXXX and they responded with a letter that I will have t pay for a credit report.
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I am writing to bring to your immediate attention a highly distressing matter regarding my New York and Company credit card account. Regrettably, despite my repeated attempts to resolve this issue, I have yet to receive any satisfactory resolution from Comenity Bank, the issuer of my credit card. 

In 2021 my New York and Company credit card was unlawfully compromised by an unauthorized individual. Despite promptly reporting this fraudulent activity to this company, relevant authorities, including the FBI Internet Complaint Center and all three major credit bureaus, and submitting a prior complaint to the Consumer Financial Protection Bureau ( CFPB ), the situation remains unresolved. 

The unauthorized user made substantial purchases using my credit card, resulting in a significant financial burden. Despite my diligent efforts to mitigate the impact of this fraud, New York and Company continues to charge and bill me for these fraudulent transactions. Moreover, for the past three years, I have been inexplicably locked out of my online account, rendering me unable to make payments or access essential account information. 

Furthermore, I have not received any written billing statements or been issued a replacement credit card. This lack of communication has made it exceedingly difficult for me to keep track of payment due dates, leading to recurring very high late fees and additional financial strain. As an individual with a documented disability that affects my memory and concentration, this oversight has had a profoundly detrimental impact on my financial well-being and health. 

I implore you to urgently investigate this matter and take immediate corrective action to rectify the situation. I request that you : Cease all billing for fraudulent transactions immediately. 
Provide me with a detailed account of all charges incurred on my credit card since the fraudulent activity occurred. 
Issue a replacement credit card and restore my access to the online account management portal. 
Waive all late fees accrued as a result of the failure to provide billing notices and account access. 
Implement measures to prevent similar incidents of fraud in the future and enhance customer account security protocols. 

Failure to address these concerns timely may compel me to escalate this issue through additional channels, including legal action and further complaints to regulatory authorities.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX XXXX Bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX Bank to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX Bank business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2021-03-09
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: EQUIFAX, INC. (NV)

I am a victim of Identity-Theft and have reported the fraudulent accounts to the Local Police, FTC and CFPB concerning each incident. I have been informed by them to request an immediate suppression and BLOCKING of these erroneous accounts pursuant to FCRA 605 ( b ) within ( 4 ) days upon receipt of my request to you..Here are the fraudulent accounts and inquiries being reported at this time.
Consumer complaint received 2018-11-02
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. (LA)

I have tried to get XXXX card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX  to remove this account that does not belong to me.
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MI)

Here is a time Line of the Wire that was sent and activity since. 
Parties involved include XXXX XXXX XXXX XXXX XXXX XXXX ( owned by XXXX XXXX ) and XXXX XXXX XXXX ( representing XXXX XXXX ) 1. On XX/XX/20 XXXX received Wiring instructions from XXXX XXXX ( Exhibit # 1 ) XXXX XXXX XXXX sends over Wire Instructions via email 2. On XX/XX/20 XXXX/XXXX wired {$150000.00} from XXXX XXXX ( Exhibit 2 ) XXXX XXXX XXXX is wired $ XXXX from XXXX XXXX. EX # 1 & EX # 2 are highlighted in green to show they match On XX/XX/20 XXXX XXXX confirms wire is Well received ( Exhibit 3 ) 4. On XX/XX/20 Randomly XXXX XXXX, XXXX XXXX XXXX, confirms they received the funds. ( Exhibit 4 ) 5. Between XX/XX/20 and current we have been communicating with the XXXX XXXX, our bank ( XXXX ) on a resolution to correct this matter. Well Fargo will not correct. XXXX states that they are not going to correct. $ XXXX sent to an account that does not belong to recipient. 

6. On XX/XX/20 XXXX XXXX Communicates to me via phone that they, nor Wells Fargo, should be liable in this instance and that we have the Wrong Wiring Information ( EX # 5 ) Wells Fargo is not communicating, nor are they returning the funds to our account. They are supporting this fraudulent activity.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NC)

I own a XXXX 's card since XX/XX/XXXX. Immediately I had difficulties paying my card online. On XX/XX/XXXX my wife had a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. She called to tell them about the medical condition. I lost my job after being in the hospital with her and my child. I asked them for a lower payment. Also, I asked was this account insured. I told them due to my loss of income I couldn't afford the high payments. I asked if I could make $ 50 monthly payments. My wife was still making Payments and XXXX was still marking the account as late on my credit report. My account was closed and I strongly feel XXXX 's didn't want to help.
Consumer complaint received 2023-03-18
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}