davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX card told my son that I owed a debt. You- referes to XXXX  card. You violated 15 U.S. Code1692 specify section b. When you told my son that I owed a debt. 
Our agreement is now void. Please remove from credit bureaus and eliminate the balance. 
Per 15 U.S. Code1692 the civil liability plus legal fees will exceed total amount owed. To save time and money, I recomend we settle, in the method listed above. Are you willing to work with me, or against me?
Consumer complaint received 2018-06-16
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. (NV)

In XX/XX/XXXX I received a copy of my credit reports. Upon a very thorough look, I found all sorts of errors. I decided to write the companies that were reporting the errors as well as start the dispute process with the credit bureaus directly. I asked for them to look into payment histories of a few of the companies on my reports as my records were conflicting with theres. Well here 's what happened : when I asked Experian to verify a delinquent payment history that was being reported by XXXX XXXX. 

On the report It read that the account was never late yet discharged through chapter XXXX bankruptcy. I disputed this because I never included XXXX XXXX XXXX in a bankruptcy. I was never late so why would I? In XX/XX/XXXX, Experian claimed that they verified the information as accurate but on around the same time, I had independently asked for XXXX XXXX to please send me records as well. XXXX XXXX could NOT provide me with any records. In fact all I received from them was a letter asking them to help research the items. XXXX XXXX also addressed me in the letter as " XXXX XXXX '' My name is NOT XXXX XXXX. My name is XXXX XXXX. I live with someone whos last name is XXXX that has a XXXX XXXX account and I believe that the company and credit bureaus have somehow merged our information. I sent proof of the letters to Experian and Experian did not change the information and claimed it was accurate! HOW? I sent another dispute in and I got correspondence back that unless I provided additional details that they would NOT reinvestigate the errors. I sent additional proof and they claim that the company verified the information again. I do not believe that they are doing an investigation at all. I believe that they are merely tying in addresses and claiming that they " verified '' it. XXXX XXXX could not provide me with any records but somehow Experian verified the accuracy of the records? Additionally, the original credit limit on the credit card was {$1500.00}. Experian is reporting {$19000.00} balance on the card before their investigation and {$28000.00} after their investigation but in XX/XX/XXXX reported {$1500.00}. None of this makes sense and they refuse to provide any proof of their method of verification of this stuff.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I recently sent an email to the CEO of Experian citing the accounts I've been trying to get them to fix since XXXX. I attached proof of everything for my disputes- Copy of email from XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that Experian was reporting differently than XX/XX/XXXXand XX/XX/XXXXXXXX I also attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately and that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting and that they're also supposed to provide me proof of how they got the information. 

Today I get a call from ( XXXX ) XXXX, who is either the CEO or his representative. He left a voicemail message stating they're not obligated to provide proof of validation nor are they obligated to make sure they're reporting aligns with the other CRA. I saved this voicemail and subsequently called the phone number. This gentleman is basically telling me they don't have to comply with the FCRA. I cited each section and he continued to basically tell me they don't have to comply. Someone needs to explain this to me, how an agency can refuse to comply with the law when they're are hefty fines regarding FCRA violations. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty and Experian is blatantly violating several sections of the FCRA.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.

Per settlement, All U.S. consumers can now get 7 free Equifax credit reports per year through 2026 by visiting  XXXX. 

I visited the above website to request my free credit report from Equifax, and was presented with 4 questions to verify my identity.

The answers to all 4 questions were not applicable to me, so I answered " none of the above '' for all 4, and was denied the report.

I thought maybe the computer had a glitch, so I tried again an hour later, and was presented with 4 bogus questions again. 
My wife also tried with her info, and also got 4 bogus questions. 
The questions appear to be randomly generated and don't apply to me, hence it is impossible to provide correct answers. 
For example, I was asked about my student loan even though I have been out of college for over 30 years, and never had a student loan. Most college students didn't need student loan in the XXXX. 
I was asked about my car loan from last year, even though I have not purchased a car in the past 10 years. None of these alleged accounts existed on my credit report, issued by Equifax electronic from 2 years ago. 

I suspect that Equifax is shying away from their responsibility to provide " 7 free Equifax credit reports per year '' by deliberately causing identity verification errors for the requester. 

From the same website, I passed identity verification from XXXX XXXX and XXXX very time. But failed with Equifax every time, after multiple tries. This is very suspicious.
Consumer complaint received 2021-02-05
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. (FL)

on XX/XX/2020 I wrote all three bureaus pertaining to a whole bunch of mess on my credit reports that I know is inaccurate and some of it I did not do and have no clue how it got there. The bureaus have ignored me on purpose because they do not want to investigate my troubles because they know this stuff is wrong. I want this stuff looked into right now and answered swiftly with all of those items deleted as they are not mine. They already screwed me with the XXXX  data breach and let my info get into the hands of some crooks and now they are just ignoring me. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me..
Consumer complaint received 2020-11-22
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: Lendmark Financial Services (CO)

Monday XXXX XXXX, 2020. At XXXX XXXXXXXXXXXX. my mom had tried to pay her loan at Lendmark financial services LLC. They asked her a couple of questions, and proceeded to run a hard inquiry on my credit. Once I was notified that something had happened to my credit I checked and it had said my XXXX  score had dropped XXXX points. I called them and they were trying to say that it isnt going to matter. They also tried to blame a different credit union for the mishap.
Consumer complaint received 2019-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Checking or savings account ISSUE Managing an account XXXX XXXX .Civil Court XXXX XXXX . XXXX XXXX XXXX gave Power of Attorney for Mrs. XXXX XXXX for Ms. XXXX XXXX to pay for an Attorney who was Mr. XXXX XXXX for suing for {$87000.00}. Civil and Surrogate Court XXXX XXXX. Wire Transfer was done with Chase JP Morgan Chase Check of {$10000.00} for XXXX XXXX  XXXX XXXX.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (NE)

This compant holds a high value trust under the instruction of a person named XXXX XXXX XXXX who is perhaps the XXXX XXXX XXXX XXXX. The acct should be in my name being that it is under my XXXX XXXX XXXXy. This man could of very well changed it by now. They accepted the transfer and has allowed this man to steal my money without checking the validity of the information from the party whose acct it is. XXXX XXXX
Consumer complaint received 2019-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for the XXXX XXXX American Express Card on XX/XX/XXXX and was declined ( Ref : XXXX ). I called them back to find out why this was and they told me that there was derogatory mark on my previous account from XXXX and that they can decline me based on this. However when I checked my credit report this derogatory mark was not on my record so this has to be deceptive practices or discrimination based on previous account that is over 13 years old.  I'm absolutely appalled by the way I have been treated and will never do business with American Express ever again. I will make sure all my family and friends are made aware of this situation.
Consumer complaint received 2019-08-10
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 — Problem with personal statement of dispute
Company: Monterey Financial Services LLC (SC)

On XX/XX/2019, 2 XXXX XXXX salesmen came to my door to shampoo 3 rooms, and I let them. Long 3 hours went by, and I knew my credit would not be approved because I was not working, my husband is the only one. So, I said sure, run my credit. Well, a few min later, they said I was approved. I asked the salesman how, and he said they only used my info, but used my husbands earnings. Anyway, later that night, I explained to husband, he said nope, they jipped me. In the meantime, I was supposed to go on my email to sign the financial loan documents. I had 3 days to rescind and give vacuum back. I looked on my email, started doing paperwork, then I quit. I was asked on a form for my drivers license info, I actually never finished the paperwork. I also in the meantime tried to contact the salesman to please come back and get vacuum. I could not get him, his boss. I tried for over a week. Well, after that, one of the reps from XXXX said that Monterey Financial needed my drivers license info, that I needed to call them or the contract was void. I never gave them info, and never actually seen a contract containing my interest or anything. The XXXX salesman had put all my info in the site and set me up for auto pay. Long story short, a couple months passed, I got out the owners manual to learn how to use the attachments. I found a copy of my credit app folded in it. The salesman had wrote in that I got XXXX a month XXXX!! Really!! Its such a ripoff all the way around. Please, please help with this
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

Wayfair/Commenity is again attempting to collect a debt of {$12.00} I do not owe and on a CLOSED account. Last year the same mistake in a XX/XX/202 statement for a balance of {$70.00} I did not owe and it was revered after a previous CFPB complaint. 

This needs to stop. The account needs to be CLOSED as i requested in XX/XX/2020. I do not owe a debt after paying off 3 payments of {$310.00} IN FULL as of XX/XX/2020. Their lack of a customer support line towards a dedicated dispute agent has yet again left me no way to communicate the issue with anymore within Wayfair/Commenity group.
Consumer complaint received 2019-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Well I've been checking my credit score often. And it just keeps dropping. I've contacted my insurance to see why these bills keep being posted to my credit but they said they're was nothing they could tell me about it, that I would have to contact the companies. So I called them and they basically told me that I had to pay them even if u had insurance at the time because it's been over three months. But I never got a bill and no elone ever told me a time frame that I needed to get this fixed until now.
Consumer complaint received 2022-09-15
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)

There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX of XXXX and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.
Consumer complaint received 2019-08-11
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. (TX)

XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Equifax have failed to do their job on the data breach FTC violation that caused my credit report harm XXXX  and XXXX has done a great job looking. into the FTC violation but will be added to the security so they can check on updates
Consumer complaint received 2019-08-16
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: Experian Information Solutions Inc. (CA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-08-16
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. (CA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX MORTGAGE SER, XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (TX)

I made a purchase of {$10.00} in XX/XX/XXXX. I made the payment on XXXX XXXX from the XXXX account but Barclay said it was made from my closed XXXX account when I inquired about the returned payment and late report to the credit bureaus in XX/XX/XXXX. I made the outstanding balance payment right away, but my issue was that the only reason I found out about the returned payment is that I subscribe to XXXX credit monitory system. I never received correspondence from Barclay about an issue with payment ; I only ever received confirmation that a payment was made. 

When I spoke with XXXX on XXXX XX/XX/XXXX, she informed me that their credit department reached a decision to not remove the late payment from my report. I found this to be interesting. I mailed Barclay 's department 3 times since XX/XX/XXXX and now they're deciding that they'll respond to me unfavorably in XX/XX/XXXX? This ruckus is over {$10.00} payment that was confirmed to be received, only to not be notified that there was actually an issue with payment after the fact? XXXX also said that I should have kept checking my account despite receiving official conformation from Barclay that the payment was received. I had not used the card since XX/XX/XXXX for me to keep checking an account that in their own correspondence showed that my account balance was {$0.00}. 

Barclay rather lose a customer of 7 years over {$10.00} than actually admit that their customer service is reprehensible, Every other financial institution I've ever worked with at least sends an email, or calls to let me know if there was a problem. I've also received letters from other financial institutions, even though mail is notable for getting lost or not being delivered in a timely fashion. I sent their credit department THREE letters since XX/XX/XXXX and I am just being notified about their decision in XX/XX/XXXX? Moreover, I provided proof in the form of payment confirmation screenshots and they still insist on negatively impacting my credit report for years. Barclay does not care about their clients. Their behavior is the height of contempt.
Consumer complaint received 2021-07-13
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: Bread Financial Holdings, Inc. (TX)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.