davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those 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. My information was also impacted by the Equifax data breach and may have got into hands of the wrong person.
Consumer complaint received 2023-06-13
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. (MN)

This information is unauthorized As followed Name : XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX Illinois XXXX, Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc. (GA)

XXXX XXXX Rental Inquiry for wrong consumer Risk Level : High ENTRATA INC got a copy of your XXXX Credit Report. ENTRATA INC made a Rental Inquiry by checking your XXXX Credit File. XXXX XXXX also made an inquiry this two companies or d/b/a. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. Alert Details ENTRATA INC XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ( XXXX ) XXXX Rental history civil record was for a XXXX XXXX Case # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX this is fraud. I do not go by such name. The legal name is XXXX XXXX he should not have been denied as a consumer to rent an apartment based on inaccuracies. XXXX XXXX XXXX has no such derogatory record on his rental history record of evictions nor is their civil records of XXXX XXXX XXXX being taking to court by a property owner, company, or any other entity
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (LA)

Service Finance Company , llc installed solar panels and backup battery at my home. They advised me in writing that I would receive tax and bonus credits totaling 30 % or {$13000.00} to offset the cost of this system. This would maintain my monthly payments at {$130.00} for the life of the loan. There are no credits available to me that will pay down this debt. The company has increased my payments and claim that my loan is delinquent. To date no bonus credits or discounts have been applied by the company toward this purchase. {$130.00} is deducted from my checking account each month. The company refuses to speak with me about this purchase. Thank you.
Consumer complaint received 2022-06-20
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. (FL)

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

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 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* 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 2022-06-20
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. (FL)

Experian is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Experian that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. XXXX has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC (VA)

XXXX, I have XXXX credit card accounts with Continental Finance ( XXXX ). They are very high interest cards that I took out right after I successfully completed XXXX Bankruptcy. I pay on time every month, through their website. I have noticed several times that when I sign on to make my payment, inexplicably and under the guise " for your protection '' the system asks me to change my password. Although, I follow the instructions carefully and answer my security questions correctly, there are repeated error messages forcing me to become locked out of the system and to call the customer service number on the back of my card. Because I often pay either on the day before or the day that my payment is due, this action I feel puts me at risk of being late in making my payment, thus resulting in paying the credit card company not only my payment that is due but a hefty late payment fee of {$35.00}. ( This has occurred about XXXX or XXXX times ). Throughout the month I am often checking my account online, but I have noticed that the system requires me to change my password only around the time that a payment is due. I have complained to the company, but they only reply " it is added security for your protection '' or " or try to make your payments earlier ''. Please investigate this matter.
Consumer complaint received 2018-08-07
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: CITIBANK, N.A. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed CITIBANK ( CBNA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -CITIBANK  ( CNBA ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted Citibank, and XXXX XXXX XXXX  and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2018-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

There is an unknown account listed from Wakefield & Associates which is unknown and I do not owe any medical as I have insurance and this is again unknown and I have never received validation or anything about this item Wakefield & Associates XXXX {$410.00}
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

I am a homeowner with a mortgage with Shellpoint mortgage. I have been in forebearance and trying to get out. For the past month I have been submitting paperwork after paperwork and they say they didnt get it and resend etc. I was just served foreclosure papers and have a XX/XX/XXXX court date.

I was never told or sent information that we were at this level of foreclosure.I felt I was dragged along in the process and slow played as I have equity in the home.

I attached a letter to this file
Consumer complaint received 2018-05-19
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. (CA)

I have been calling into Navient for three days now, starting Wednesday XX/XX/2018. I have been hung up on, and transfered multiple times, without any respect. I have spoke with a manager who was extremely unprofessional, and literally laughed in face, for a matter that was less then funny. Instead of being considerate of ones situation she took joy in denying a reasonable request. My financial situation has not changed since the last time I received a payment plan aligned with my monthly income. Although my financial situation has not changed, nor has my co-signer, Navient is attempting to double my payment. Therefore I feel my information was entered into their system incorrectly. Instead on admitting at one point one of their representatives must have fraudulently entered my information incorrectly, if not this year then the prior year, she tried to accusing me of lying, and not wanting to admit I need help. That comment XXXX  me off because the whole purpose of attempting to renew my repayment plans is because I clearly needed help in this matter.
Consumer complaint received 2020-07-31
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: The Receivable Management Services LLC (TX)

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Consumer complaint received 2022-06-20
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX 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 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aldous & Associates, PLLC (MA)

Spend numerous hours trying to cancel a gym membership and was unable to with the gym manager. Finally was able to cancel and get charges refunded which manager assured me this is resolved by an email and voicemail which I have. After receiving the debt call I was able to reach the billing dept which was unknowst to me. They came to the conclusion about me owing the debt even though the manager assured me it is resolved. This company looks to have a bad history of debt not being owed as shown with the XXXX and an investigation by XXXX i team for similiar practices. I also have a voicemail I can send of the manager calling me to say this has been resolved.
Consumer complaint received 2022-06-20
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. (NC)

I submitted a complaint last week and noticed that the following items are still on my consumer report. I have attached my I.D . and social security card for proof of my identity as well as my FTC report. According to 15 U.S. Code 1681c-2 you have four days to delete this information. I'm demanding that the following items be deleted from my consumer report because I did not give you permission or authority to put it on my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX US Department of EDU. I'm also pursuing 15 U.S. Code 1681a ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( My social security card is a card. ) Method of verification was not investigated before publishing anything on my report. Did you interview my friends, associates or neighbors? If you did please provide their names and information.
Consumer complaint received 2021-10-24
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. (FL)

I have been dispute the account with XXXX several times with equifax and they refuse to remove the account eventhough XXXX sent letter that they would cease collection and account has been removed From XXXX AND XXXX please aid in having them remove this account
Consumer complaint received 2022-06-16
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 XXXXXXXX XXXX Account # XXXX, has violated my rights. 
And also the following accounts too XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX Chapter XXXX Bankruptcy Ref # XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-20
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. (NC)

I am attaching 2 forms of I.D . as proof of identity as well as my FTC report. For Experian to block information under Section 605B of the Fair Credit Reporting Act, I am providing this information attached to this complaint. Just to reiterate, I am XXXX XXXX, a consumer and I am pursuing 15 U.S. Code 6802 my right to privacy. I am requesting the following information to be blocked and deleted 15 U.S. Code 1681c-2 from my credit report within four days as stated in the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm also pursuing 15 U.S. Code 1681a ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( My social security card is a card. ) Method of verification was not investigated before publishing anything on my report. Did you interview my friends, associates or neighbors? If you did, please provide their names and information.
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (WA)

To whom it may concern. 

On XX/XX/XXXX, my card was compromised because I mistakenly responded to a phishing issue while apartment shopping. To make a long story short, I paid {$590.00} to an imposter of the apartment I was shopping, by mistake. I quickly noticed my mistake, and called Barclaycard to address it within two hours of the transaction. One of the associates assured me the charge did not push through, and, to his credit, promptly changed my card number, and I assumed it was the end of this matter. However, I later noticed the charge posted, and called to check again, and was told the charge did in fact go through. I am very disappointed that Barclay had not stopped the charge at the first opportunity when I had quickly reported the problem. 

After three weeks of checking on the status and getting nowhere, on XXXX XXXX, I called Barclays and was told the disputes team could not do anything about this, and they transferred me to the fraud team. The fraud team said they had no record of this charge posting, and I was once again told the charge was still pending. This was very surprising to me as it had reflected on my statement for weeks. I was then told the charge would be canceled immediately and I would see an update within 24 hours. I checked, and saw no change within the 24 hours. 

As I had promptly reported this before the charge had been posted ( as claimed by the first associate ), I expect to be reimbursed for this as this is clearly a mistake of the first associate I spoke to. Thank you for addressing this. Also, if you can track whom responded to my concern, some training issues seem to be in order. I want to mention that I have spent 3 hours over the course of more than five phone calls trying to address this matter. I am unsure about the staffing issues at Barclay, but each phone call required multiple departments and sometimes the waiting time for transferring has been over 30+ minutes. 

I have attached my phone record to document I contacted Barclays the same day of the transaction as well as numerous follow-ups. 

I want to also mention that it has become very difficult to get a hold of the correct department at Barclays in recent months. A few months ago while traveling, I needed to replace a non-working card, and could not get the right department to mail the card to a temporary address. I ended up going the rest of my travels without the card and replaced it back home. It's one thing to have good security, but I got conflicting information from multiple different departments and spent a lot of time navigating such when I could have been told upfront that the card could not be replaced for security reasons.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX continues to state on my credit report that my account is past due and I have not made any payments on it. I have attached proof of payments made over the last 12 months. By law your reporting incorrect information and posting to my credit report. This is causing me a hardship and this information is false. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Money was transferred to my account from my girlfriends California unemployment account to my bank account at bank of America. I did not know that was not allowed at the time and my account was closed on XX/XX/2021. That was not the issue, my issue was the XXXX that was taken from my account that was transferred from her was never sent back to her. I was also flagged for fraud but nothing came from it.