davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-11
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. (NY)

In accordance with the fair credit reporting act XXXX  account 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 XXXXXXXX has violated my rights. 

U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

In XXXX of 2022, I went to Wells Fargo on XXXX XXXX in XXXX, GA ( Zip Code : XXXX ) to make a transaction and the manager, XXXX XXXX, refused to give me a receipt. On another occasion within the same month ( XX/XX/2022 ) I went back to this same Wells Fargo to withdraw {$1400.00} all in {$100.00} bills. She told me that she does not work at this bank and proceeded to walk away from me while I was talking to her. 

I reported this to the district manager, XXXX XXXX, and she did nothing about the situation. She in fact defended XXXX.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

IQ Data International XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/19. This company called me trying to collect a debt for XXXX XXXX. After putting me on a 4 min hold, this woman comes on the line and starts talking really aggressive towards me. Im okay because I can deal with a rude person. But after that, she starts insulting me, verbally attacking me, and then she mentions my wife by name in a way that implied were going to ruin her too. She then says by this conversation we got all we need out of you. I asked what does that mean and she dodged the question and then said youre waisting my time and h/u. I never in 100 years would talk like that in my personal life, let alone a place of business. I now dont know what they are going to do with my personal information.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA (MN)

First Natl Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2019-11-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (GA)

I received a letter from Nelnet.com, Concerning a debt that, I do not owe. After they have been notified by my attorney, To Decease and Desist from communicating wit me they still engage in Practices that is in violation Pursuant to the Federal Fair Debt Practices Act ( 15 USC 1692c ), and is in violation of Federal Law. The letter Date : XX/XX/ 2019, also fails to verify the debt.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

I used my PayPal account for a transaction of XXXX GBP ( Transaction ID : XXXX ), On XX/XX/XXXX then got a notice from PayPal requesting some documents for verification as i have almost reached my yearly limit, I uploaded documents for id and address verification and almost immediately after clicking the submit button, I got notice that my account has been limited. I believe this might have been an error with the auto security feature with PayPal, I use my PayPal account to make payments online and pay for some subscription services. I do sometimes receive payments from friends and acquaintances here and there. will be glad if PayPal can review my account to verify my humble request and restore my account. 

I tried reaching customer care but was getting auto responses
Consumer complaint received 2021-10-20
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. (FL)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 97 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-06-11
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -EXPERIAN BUSINESS CRED XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX XXXX  BANK 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 an account without my written instructions.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (ME)

On XX/XX/2020, I entered into a debt settlement agreement with Citibank Searscard, and a payment plan was set up. I never received a written settlement agreement from Citibank, and Citibank states they mailed one, which I never received, and they can not provide me with a copy. Therefore, I can not send payments and close the account.
Consumer complaint received 2022-07-21
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: CCS Financial Services, Inc. (FL)

CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) has reported inaccurate information on my credit report. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (GA)

I requested a one time only refund for the student loan forgiveness. They told me it's against Edfinanciald policy to refund consolidated loans and it's against the department of educations policy. I called the department of education and they said there is no such rule. Edfinancial continued to deny the request.
Consumer complaint received 2021-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX XXXX XXXX. Date : XXXX Capital ONE Auto Finance. Date : XXXX XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

Yes its against PayPal they will not give me my money XXXX. They put a limitation on my account XX/XX/XXXX and said they was closing my account and was going to hold my money for 180 days well 6 months later XX/XX/XXXX I call to get my money out and they said they was going to hold it for another 180 or unless I get a court order cepena well I wait the 180 days and in XX/XX/XXXX of this year I contacted them and now there saying they are holding it for another 180 days. This is not right there privacy policy says after 180 days they will send a email telling you how to withdraw the money, it doesnt say they will keep it for 3 straight 180days, I want something done cause that money came from the Georgia Department of Labor COVID pua relief money.
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX are violating the United States federal code law under 15 U.S. code 1681b - Permissible purposes of consumer reports I never gave them or the companies below any written consent to report anything on my consumer report or consent which is identity theft. 

Transunion Inquiry : Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX  Date : XX/XX/2021 Account Name : XXXX XXXX XXXX Date : XX/XX/2021 XXXX Inquiry Account Name : XXXX, Date : XX/XX/2021 I have sent them a letter stating that they have violated these laws and they have still not deleted this from my consumer report.
Consumer complaint received 2020-12-15
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. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2021-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021, I received a letter stating my FHA mortgage was sold by Bank of America to a collection agency named XXXX XXXX XXXX XXXX XXXX : effective XX/XX/2021. I did not receive proper notification from either company of the transfer and procedure within the 15 days of sale.
Consumer complaint received 2021-10-20
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-07-21
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. (TX)

In accordance with the Fair Credit Reporting Act Bankruptcy chapter XXXX XXXX Case # XXXX Date Filed XX/XX/2017 has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-25
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. (TX)

I contacted the Credit Bureau on XX/XX/2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.
Consumer complaint received 2020-12-15
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. (NV)

This will be the fourth dispute I am a filing with equifax to demand them to correct the status they are reporting on my credit profile. They keep reporting the status of a paid and close student loan as open and paid as agreed. 
I have disputed this inaccurate information with them several times, I even provided them proof of the accounts being paid off in full and they still dont fixed it! It is jeopardizing me badly everytime I want to apply for credit I keep getting denied due to the information is being reported in my credit profile I am devastated. 
I paid off in full the student loans I had with XXXX back on XX/XX/2020. I sent them the paid off statement the lender provided me to proof they were paid of in full. I was told that it would take 30 days for the credit profile to be updated it and for all of the accounts to show the status of paid in full, account closed. By XX/XX/XXXX my credit report was updated and they still did not fixed! I dispute it again in XXXX they told me it would be fixed in 30 days and still has not been fixed and update it ; although I sent them prove of paid off balance every single time. I even contacted the lender and they told me that they requested equifax to update the status. Today XX/XX/2020 still has not been fixed and I found my self filing a dispute for the forth time demanding them to fix it!
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Coradius International LLC (IN)

The statement made by this company is a complete lie regarding sending requested documents to my attorney. I spoke to my attorney during the same time frame and they stated that they have yet to receive any documents from this company! They never sent the original documents via US postal mail or email to me or my attorney stating the time, date, or the location of where the car was sold. They also are reporting a charge off on my credit report in which theyve never sent me a 1099 tax form. All of these matters are breaking the law which is stated in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA and FDCPA ; therefore if you have not validated the debt, you must request that all credit reporting agencies deleted the entry. If you fail to remove this entry this matter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : violation of FCRA and FDCPA also including my {$800.00} rebate that you failed to pay me.
Consumer complaint received 2019-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!
Consumer complaint received 2018-04-25
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: Experian Information Solutions Inc. (TX)

I contacted the Credit Bureau on XXXX XXXX 2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I received 2 notices on/around XX/XX/XXXX that were dated XX/XX/XXXX from Midland Credit Management stating I owed 2 debts to them. I contacted MCM via chat today - XX/XX/XXXX - to request validation and verification of the debt and I was told they can not send that information to me and that I should look online at the statements, which only shows an amount and the name of the creditor. Both balances are from XXXX XXXX XXXX, XXXX for {$1800.00} and the other for {$1200.00} and that both were charged off XX/XX/XXXX. There is no other details as for what these are balances are for. I requested from the chat representative, XXXX XXXX, what these charges were for from the original creditor and she stated the letters I received welcoming me to MCM with the balance amount was validation. I told her that I do not believe these are my debts owed and its my right to get this information before they try to legally collect on a debt.