davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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. (SC)

My bank account has been getting charged for experian monthly services for several months now. When I called experian on XX/XX/XXXX the representative told me to go online and verify my phone number or verification method to get into my account. When trying to get into my account the verification method is someone else phone number. After I stated this the representative told me it was a technical issues!!! I stated that thats fraud I cant get into an account that youve been charging me for for months and the phone number listed is not mines. The representative still insisted that it was a technical issue and wanted me to put my new phone number on file so she could delete the old one. I told her no I would be making a fraud alert. Ive had this issue several time in the past started in XXXX while I was XXXX XXXX in the Military. Ive filed police identity fraud reports in XXXX, XXXX through XXXX. This has been an ongoing problem even when I put my credit profile on lock or place A credit fraud someone stills runs it no one calls to verify my information and the creditors wont delete!! Experian has been sued plenty of times for leaks of personal information and still have yet to reimburse me for any of the problems this has caused. If someone else number is listed I cant even get in the account TRAIN YOUR REPRESENTATIVES to know the difference between TECHNICAL AND THEFT. If an authorization is used to get into someones account thats a SECURITY METHOD/RISK NOT A TECHNICAL ISSUE!!!
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

In directly violation of the FCRA, Santander XXXX XXXX continues to update the reporting of the delinquent account being reporting to the consumer reporting agencies. 

The 7-year reporting period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

I am requesting that Santander review my file and furnish accurate and true information to the consumer reporting agencies that complies with the requirement of the FCRA.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I closed on my mortgage with Suntrust/Truist on XX/XX/2022. My mortgage was purchased by Truist on XX/XX/2022. We already have a HELOC with Suntrust/Truist and our previous mortgage was already with them. The loan servicing department created a completely new profile for the new mortgage that we can't gain access to-FOR NO REASON. We have been to the branch multiple times for a solution and have been told it should be corrected and still have no online access to our mortgage account. Loan number : XXXX The changeover and rollout across all areas of Truist banking has been lacking and is unacceptable. My time is valuable, and I should be having to call and face multiple hours of hold times to try and get a solution to a simple problem. You call customers service and met with hold times of HOURS. We have gone through all online avenues available and still can't access our account. 
I shouldn't have to go to branch that I do no banking business with to make my mortgage payment. Truist was not ready and has no idea what they are doing during this transition. They have shut down our access to the Suntrust website where we used to make our payments but can't seem to get this right. There should be more oversight to the severe mismanagement of people 's loans and assets.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ID)

Equifax did not take proper precautions to secure my credit file in the event of a security breach. A security breach occurred on XXXX XXXX, XXXX and the public was not informed until XXXX XXXX, XXXX. Equifax needs to be punished for their clear negligence in keeping these records safe.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (CA)

I am a victim of Identity theft and I have sent countless letters to XXXX and Franklin Collection Svc. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

XXXX sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from Franklin Collection Svc- they just placed the account on my credit.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (MD)

I sent this request that you reinvestigate the disputed Accounts from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$8.00}
Consumer complaint received 2022-05-05
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)

Request to stop agency from reporting information. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Accordingly, 15 U.S.C. 1681 602 ( a ) states, I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2, further states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On or about XX/XX/2021, I wrote a letter to XXXX, XXXX and TransUnion, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at XXXX, XXXX and TransUnion, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.
Consumer complaint received 2023-06-16
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. (NV)

This is my FURTHER Complaint that I was the victim of identity theft, Experian and XXXX Credit Bureaus don't care at all that I want to dispute these XXXX ACCOUNTS in my credit file. XXXX! How often do I have to tell them that these accounts are NOT MINE? Please DELETE the following accounts listed below. 
XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00}.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Under the Fair Credit Reporting Act, XXXX  Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Consumer complaint received 2017-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

PORTFOLIO RECOVERY ASSOCIATES is a third party collections agency that is attempting to collect on a credit card debt owed to XXXX XXXX. I can not remember the exact date that PORTFOLIO RECOVERY ASSOCIATES first reported to the credit bureaus, but I know it was reported prior to XXXX XXXX XXXX. That date was within a time frame when I first disputed the debt as I did not believe it was owed to them. 

It was removed from my credit, then they reported it again XXXX XXXX XXXX. I again filed a dispute as they had not 1 )  Notified me that this would be relisted and 2 ) the collections agency still had not supplied any proof that I actually owed them any debt. Once again, this was removed from my credit. On XXXX XXXX XXXX it was again relisted on my credit with no notification and still no proof of the debt being owed to them, or that the debt is actually not older than 7 years should still be reported on my credit report. 

It appears that their way of handling these issues is to wait until it 's removed then re-report it, to avoid having to prove they are owed the debt and also to restart the 7 year window they could report the debt. I believe that this violates the fair collections laws.
Consumer complaint received 2022-05-05
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT ( XXXX ) # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A.

SECTION 2 : STATED A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

On the morning of XXXX/XXXX/XXXX I learned, via The XXXX XXXX that Equifax experienced a data breach starting in XXXX XXXX lasting until XXXX XXXX that included significant personal identifying information, including social security numbers and credit card numbers. I subsequently learned that they had set up http : //www.equifaxsecurity2017.com/ and used that website to check if my data was included in the breach. 

According to the website, they thought I might have been. I tried to make sure I had not agreed to their arbitration clause and did not sign up for their " free '' credit monitoring program, and mailed them a letter to that effect. I expect it to be postmarked XXXX/XXXX/XXXX. 

I also called XXXX to initiate a 90 day fraud alert. The call was placed at XXXX PM on XXXX/XXXX/XXXX from my cellphone and lasted 3 minutes and 49 seconds. 

I have been told that I should freeze my credit, but also that it costs money to do so, as well as to later thaw it, and that I would have to do so with Equifax as well as XXXX and XXXX. This is unacceptable since Equifax is responsible for losing my data. 

Additionally, Equifax did not notify me that they had a breach, and they did not publically announce it via press release until well over a month after it happened. Their equifaxsecurity2017 website looks like a phishing scam and has a forced arbitration clause as well as a class action waiver in its terms of service, and it never presented any such terms to me nor did it ask if I agreed to them, rather I later learned of them via social media.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

On XXXX/XXXX/XXXX I learned of a large breech of security by Equifax. According to their records my personal information was compromised. I believe that they mismanaged the safety and security of my private information and identification ; and failed to quickly and thoroughly notify those who were effected by the security breech. I have placed a fraud alert on my accounts but would like to be able to freeze my accounts without being charged due to the compromise of my information due to Equifax 's incomptence.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ME)

Equifax has managed to have over 143 million accounts compromised. According to their security site, I was affected. Why exactly do I need to jump through hoops to have my credit monitored when they could n't securely do the one job they exist for?
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

XXXX, XX/XX/2023 Dear Sir/ Madam ; I am XXXX XXXX XXXX like to seek to resolve a fraudulent loan thru your office. 

As the matter of fact, on XX/XX/2023 person name XXXX ( ( XXXX ) called and asked if I interested about the Free Solar Installation by state of Texas and if I did there was a man name XXXX ( XXXX ) would see me within 1hr at my house. After we met and exchanged some necessary information XXXX he said in order to fulfill the application he needs my fully personal information for verification of my background, credibility, income... .etc. and if the application got approved then the employee of city of XXXX would come for checking whether or not my property meet standard code of conduct safety and the processing would take up to a week. 

However, on the date of XX/XX/2023 I got a text message from Experian Credit Bureau for Alert Enquiry ( as Exh # 1 ) and I was told by Experian 's represent to call XXXX XXXX to find out the new inquiry and I had tried to contact XXXX XXXX ( as Exh # 2 ) from time to time I finally spoke with XXXX XXXX XXXX, manager of the underwrite department, then find out that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX had fraudulently created a fraud email as XXXX and phone number as XXXX ( as Exh # 4a+b ) along with my personal information to applying for a loan of {$93000.00} with 8.49 % interest for 25 years and that amount of such loan had already issued to the XXXX and she told me to find out the physical address of the applicant on website as I requested her meanwhile the investigation will be on her behalf and we should keep in touch with her personal cell phone and her email as XXXX for further information. And on XX/XX/2023 I drove to the office of Secretary of State of Taxes to get help with dispute and was told by XXXX XXXX XXXX as Exh # 3 ), personnel of the office that I would submit as much as information about the Scam and mail to SOS of Texas including the money order of {$30.00} for the fee and my complaint would be sent to Federal Trade Commision ( as Exh # 5 ), since that issue came out I have tried to contact XXXX by call and text thru his cell phone number to express my anger over the dishonest business and demanded that fraudulent loan must have been resolved and returned to XXXX in the soonest time and XXXX assured that he would submit to his company ( as Exh # 7a ... .7j ) but my demand to no avail till XX/XX/2023 I received a mail indicating my first payment ( as Exh # 4a+b ) will begin on XX/XX/2023. As of this issue, I seek help through Consumer Financial Protection Bureau ( as Exh # 6 ) in hope to clear off the loan that i did not apply for. 

I am enclosing all information as a proof to you for consideration. 

Very Sincerely. 

XXXX XXXX
Consumer complaint received 2019-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I work for the XXXX XXXX, and have been pursuing public service loan forgiveness. In XX/XX/XXXX I recertified my employment, and was told I had made forty-six qualifying payments as of that month ; I believe this one is correct. In XX/XX/XXXX I recertified again, and was told I had made forty-five qualifying payments, somehow even fewer than the year before. 

I appealed this in XX/XX/XXXX, and I have received no official communication about it from the servicer. When I call they tell me that it is still being reviewed. At this point it has been eighteen months, and after my most recent call I was told that my situation is not a priority. I have bank statements showing that I did make these payments because I am enrolled in autopay. If I have to make those payments again it could cost me {$10000.00}, so it is a priority to me. 

As someone who works in XXXX XXXX, perhaps most concerning is that there is no official process used when a review is requested. Its all very vague and undefined, and feels like a violation of my due process rights under the Constitution.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

As of X/X/17 Equifax credit reporting had a massive data breach of potentially every user with a credit scores personal information including name, address, social security number, and date of birth. More than enough information to allow for identity theft of every user. After discovering the breach rather than immediately reporting they waited a week and executives sold stock in a blatant attempt at insider trading before the fallout of thge breach.
Consumer complaint received 2023-06-16
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. (MI)

Pursuant to 16 CFR 313.1 313.1 Section ( 3 ) which states a financial institution must provide an opt out disclosure to consumers from reporting nonpublic personal information and opt out of disclosing that information. 

Experian did not provide such notice before reporting any of my XXXX XXXX Account # XXXX information. 

Violation 1 : Late payment XX/XX/XXXX Violation 2 : Late payment XX/XX/XXXX Violation 3 : Late payment XX/XX/XXXX Violation 4 : Late Payment XX/XX/XXXX Violation 5 : Late Payment XX/XX/XXXX Violation 6 : Reporting collection XX/XX/XXXX Violation 7 : Reporting collection XX/XX/XXXX Violation 8 : Reporting collection XX/XX/XXXX Violation 9 : Reporting collection XX/XX/XXXX Violation 10 : Reporting Collection XXXX XXXX Violation 11 : Reporting Collection XX/XX/XXXX 2023
Consumer complaint received 2022-10-24
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: AMERICAN EXPRESS COMPANY (AZ)

I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to XXXX XXXX XXXX, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.