davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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. (TX)

I have had the account with Equifax since XX/XX/XXXX after placing a Fraud and Freeze alert on the my account. I had my identity stolen. 
As I had done with the other reporting agencies ( XXXX  and XXXX ) Ever since Equifax had the breach in XXXX I have not been able to access my online account. I have spoken with them several times over the past 3 years and they were suppose to have resolved whatever the problem was or is. Today, the same thing happened after speaking with their customer service agent. Same conversation, same resolution ( none ). On XX/XX/XXXX I spoke with them, they was suppose to escalate the issue to their supervisor to correct the error ( which they couldn't tell me the error ). So to date, that obviously wasn't done. No other credit reporting is having this problem with my access.
Consumer complaint received 2021-04-01
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (AL)

IC Systems inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by IC Systems. The response I received from the bureaus stated IC Systems had verified the entry, yet they did not respond to my letter. My certified letter was not returned ; therefore, the company was in receipt and blatantly refused to respond, yet still report. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. I sought validation and not verification. This is a very misleading practice and a violation of my consumer rights. They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that IC Systems inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. IC Systems must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for XXXX XXXX, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. 
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (GA)

Please refer to Case XXXX Chase Bank, committed on XX/XX/2019that this account which was fraudently opened in my name, without my authorization was closed. Yet I continue to receive request to verify or update my contact information.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Bank and the Credit Cards I have with them, did absolutely zero to help with lowering interest rates from the beginning of the Pandemic to this Complaint. Others has totally understood the severe financial hardships and made continual adjustments to keep solid customer relations. Not Capital One Bank, they positioned themselves as a XXXX XXXX lender, which I considered very much unjust in enriching themselves during this terrible time. 
I have emailed the CEO not once But twice on, not one reply, they should to repay me all the unjust high interest to me or reapply to my cards as this comes into acceptance, you can do this and you can see from all cardholders that have the same problem, defrauding all with extortiive rates. 
Be well, XXXX XXXX, De XXXX
Consumer complaint received 2019-02-24
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: Navient Solutions, LLC. (SC)

Starting on XX/XX/2016 I started the process of Disputing debt being reported by Dept of EDXXXXNavient who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to Dept of ED/Navient and again on XX/XX/2016 to all 3 credit reporting agencies XXXX, XXXX  and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to  XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2023-01-12
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 XXXX  Account # XXXX, XXXX XXXXXXXX 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 mortgage account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One I applied for a credit card online and it has affected my credit scores. I was not told this in the disclosure and never told that this was going to be a hard pull vs a soft pull. No transparency at all. I asked for a deletion and they told me they weren't credit counselors and nothing I could do about it! XXXX XXXX XXXX
Consumer complaint received 2019-02-24
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. (NY)

account XXXX XXXX XXXX bank card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Phoenix Financial Services LLC (FL)

XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and Phoenix Financial my medical information. This medical bill was submitted to, or should have been submitted to XXXX County for XXXX care ; as I requested more than twice. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies ( CA ) with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. Because the CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, it is obvious they are not a covered entity. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

Bloomingdales credit card has an account on my credit file that doesn't belong to me. it states the card was opened in XXXX during this time I was a victim of Identity theft I have written multiple letters and filed a police report. I believe someone in my family stole my identity they have opened multiple account in my name as well as bank accounts, credit cards and loans. when first learned of this I was sure what I was suppose to do to get my life back. This has been the worst nightmare trying to obtain my identity back. I was unemployed from XXXX to XXXX and never applied for any credit, I wasn't in a position finically to pay anything or even apply for credit knowing I didn't have a steady job.
Consumer complaint received 2021-07-02
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. (MO)

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They also reported and transferred over my information without my permission. A " credit '' check doesn't consist of having my intellectual property " reported '' unauthorized.
Consumer complaint received 2020-07-10
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2021-04-01
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. (MA)

My name is XXXX, for the last XXXX  years I had a student loan which I paid in full on XX/XX/XXXX. Paid {$2400.00} in full. Student loan started on XX/XX/XXXX. 
I have been trying to get a copy of my credit report from Equifax, unfortunately Equifax keeps denying my requests every time saying that I do not have credit history. 
That's just not true. 
I have access to my reports from XXXX and XXXX, they clearly show everything, including my student loans, which they have been paid as well my purchases with my credit cards. 
Equifax keeps refusing to provide me my credit report. 
This is not a XXXX time incident, this is been ongoing since XXXX. 
I am also one of the victims of the Equifax data breach of XXXX. I found this out on the data breach settlement page. 
I called Equifax, they send me a letter to fax them my information, which I have done as requested on XX/XX/XXXX at XXXX XXXX. Faxed over 15 pages including drivers license, ssn, lease agreement, utility bills. 
Called Equifax on XX/XX/XXXX and the agent, again, refused to send me a copy of my credit report stating that I do not have credit history and I should contact my bank. 
My credit union keeps denying my application of credit because Equifax says I don't exist on their systems and my credit union tells me to contact Equifax and when I call Equifax, they say I need to tell my bank to report my information to them. 
Called Equifax on XX/XX/XXXX and I said I want to purchase my credit report, I was also denied, again. 
Since when is it my responsibility to tell banks or credit unions how to do their job or my responsibility? 
I am trapped on an endless loop. 
To this very day, Equifax is refusing to provide me my credit report. I called, I requested to buy it and no success. 
I need help.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NM)

I have been a customer of Wells Fargo since XXXX having recently closed my bank accounts due to these ongoing issues. I procured my WF credit card in XXXX and it has been down hill since then. Wells Fargo is mismanaging my credit card and you need to know this. Payments have disappeared, money has not been credited to account, automatic payment form has a forged signature, and credit line changed without contact, and more. This mismanagement is so egregious that their own employees have agreed that there has been improper handling of this account. 

I have been dealing with issues on the credit card for three years and nothing has been resolved. Talked with three different people in executive office, numerous branch officials, and countless phone customer service agents. This led me to close accounts with WF to never bank there again. 

This is in line with their previous illegal practices which I do not mind seeking litigation for this issue.
Consumer complaint received 2021-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: FIRST PORTFOLIO SERVICING INC (VA)

I went to XXXX XXXX XXXX and I had to take out a loan for Petes private student loan services for {$16000.00} in almost {$17000.00}. Peaks private student loans and XXXX were sued and were obligated to refund and withdraw all the loans to all of the students who took out loans with them. I have not received any information from peaks private student loans or from XXXX in regards to my loan being dismissed and withdrawn I would like to have that information in writing. Can you please help me with that?
Consumer complaint received 2020-11-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (AL)

This car acct is from 2015. A carlot told me I wasn't doing nothing but helping my sister with the income part on app. I didn't know that this was sticking me with this car .she eventually let the car went back due to lost of XXXX . I had car loan also with this same company Ally.. the acct says close on my credit report XXXX XXXX been over 5 years now all of sudden I'm getting call and they have put pon my credit a XXXX balance.never heard nothing about car she didn't mess car up or nothing then now here it is sold car aND I OWE THIS MUCH .NOT RIGHT AND THEY NEVER DISCUSS THIS WITH ME.
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NM)

The following accounts are an result of fraud. I have no knowledge of these accounts. 
XX/XX/2020 Midland Funding Original creditor XXXX XXXX XXXX  {$710.00} XX/XX/2020 XXXX XXXX XXXX  XXXX creditor XXXX  XXXX  XX/XX/2020 {$330.00} XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX {$1400.00}
Consumer complaint received 2022-01-08
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. (MA)

XXXX, XXXX and equifax are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded. 


report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MN)

We had experienced a financial loss of income in XX/XX/XXXX. By XX/XX/XXXX we could not make our monthly morgage payments. So we tried to refinance our mortgages through PNC mortgage company.

However, we were denied. PNC stated we did not qualify for any of their existing programs.

In an effort to save our home we met with a HUD approved financial counselor through the XXXX  services in XXXX. He informed us that our 1st loan is founded through XXXX XXXX and that we sdould qualify for the Flex Modification program.

PNC never informed us of this and just denied us outright giving us no other options. If PNC would have informed us we could be right now working on rescheduling or consolidating our loans. Not to mention they would lose nothing.

My family has lived in this home for 17 years and have alwys had a good relationship with PNC mortgage company and would like to continue our relationship with PNC. All we wish to do is to continue to live in our home.

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

There are unknown hard inquiries in my Experian credit report. I wroteXX/XX/XXXXto remove these inquiries from my report. They replied that they could not even find them. I am sure they do not belong to me, as no evidence has been sent to me.
Consumer complaint received 2019-11-08
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: Experian Information Solutions Inc. (NY)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.