davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, Experian, XXXX, XXXX has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States have the right to privacy These addresses do not belong on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I do not remember having a XXXX card in the past. PRA has reported this on my consumer file for several years. I have disputed this through the credit bureaus twice. Each time PRA validated it without providing any type of factual evidence. I then mailed a debt validation request directly to PRA on XX/XX/2020. It remains unanswered.
Consumer complaint received 2020-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

Been trying to get a mortgage modification for several years since XXXX. Went to court and case was dismissed been working with legally aid society from XXXX XXXX and XXXX XXXX XXXX XXXX. I always submit my document on time and now the responses I received for denial is that my credit report is blocked. A credit report cant be blocked, but security freeze and Sent proof that my credit report does not have any security freeze from all 3 credit bureaus. Also requested for them to tell me what credit bureaus they are trying to pull from so I can resolve the issue and they do not give me a response.I have been sending proofs and this XX/XX/XXXX resubmitted another loan modification packet with all requested documents and they denied me again in XXXX saying my credit report couldn't be pulled due to it was blocked. This has been going on for several months and its getting very aggravating.
Consumer complaint received 2022-08-12
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. (PA)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$7300.00} XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBankruptcy XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

PayPal had sent a debt to a collections agency regarding a disputed XXXX  transaction. 
In XX/XX/2020 I sold an item on XXXX, the buyer attempted to return it, the return was denied, they then opened a claim through PayPal. There was an ensuing case within PayPal 's dispute system, which was then closed in my favor in XX/XX/2020, rendering me not responsible for owing any money. I have received no further communications from PayPal on the matter, at which I had closed my account with PayPal as I was no longer using it. In XX/XX/2020 I had received notice that PayPal is attempting to collect a debt based on the case that was closed in my favor, which is directly at odds with the resolution PayPal had provided to me in XX/XX/2020. 
I have attempted to contact PayPal on the matter, but am unable to contact them without being an account holder.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (NV)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (GA)

Grain XXXX  reported my account more than XXXX  days late even though Ive paid this account on time using autodraft since Ive opened the account. Ive made payments over XXXX  the minimum payment amount each month for the last XXXX  months. 

I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which none of them were reported. Thus making my credit drop XXXX points. I use their autodraft feature.
Consumer complaint received 2021-04-09
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)

My Equifax credit report was shared with third parties in XXXX XXXX without my consent and permission. All financial data ( social security numbers, account data, personal history ) was exported abroad to call centers in XXXX XXXX. The customer service representatives refused to help or update my credit repot. The credit score is the lowest of all credit reports and vary across different services ( XXXX, XXXX ). Compared to XXXX  ( XXXX ) and XXXX  ( XXXX ) the Equifax credit score is the lowest. They dont update monthly payments, which ultimately hurt my FICO score. Im concern about identity theft with Equifax. Last year, a customer service scammer claimed to work for Equifax. He begged me to buy a family membership to include third parties. I told him I didnt have dependents or family associated with my financial accounts. Months later, I was called from scammers telling me that my social security was at risk and had to confiscate it and I had to pay money. I had to file a police report. Not only is Equifax plagued by identity theft issues. My credit score falls behind 80 points because they dont update my credit history on a monthly basis. I told Equifax to stop exporting my data abroad to XXXX XXXX call centers, and provide customer service from the U.S. As a consumer, I deserve to have federal law monitor any security risks that Equifax could pose to my personal data.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

At the begining of XXXX. I reviewed my Experian report and noticed that i had multiple old address attached to my profile. Subsequently i called Experian for them remove my old out dated addresses. As a result of that call they removed all of the addresses associated with the profile including my current address. I then called in to have them reinstate my current address in which they requested i provide an id with said address on it. I uploaded a photo copy of my id to the experian online submission portal on XX/XX/XXXX. After uploading the document i called Experian back the same day to confirmed they recieved the document and the representative stated that the information will be reviewed and processed between XXXX. 

Subsequently i checked my credit profile XXXX later. To my dismay i realized they added my current address but it was not 100 % accurate. An apartment number was added to my current address that was apart of my old address. Simply put my address is a private house and does not have any apartment number attached to it. So i called in to Experian again to have them fix the address. I spoke to the representative and they stated again that it would take XXXX to proccess the request. I waited the alotted time frame and to my disbelief the whole address was deleted again and i have been trying to add my address every since. Every customer service rep i spoke to told me that they would proccess my request XXXX. So waitied XXXX  days at a time inbetween weekend and holidays here i am unable to get my credit report months later because no address is attached to my profile. 

The dates/report numbers of my correspondence are below : XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (VA)

I took out a few cash advances about 5 years ago and paid them right back with in days. I used the cash advance to assist my sister in her new business, to meet payroll. She gave me the money right back and I put it back to the credit card and told them it was a cash advance payback. How are they still able to charge me interest on those advances, to the tune of {$67.00} a month for the past five or m ore years?      XXXX   XXXX
Consumer complaint received 2023-03-29
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX Balance : {$5700.00}
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

During a HORRIBLE pandemic Capital One closed two of my longest opened accounts. The bank account that my automatic payment came out of for these accounts had fraudulent activity on it which caused my payment to bounce. I immediately made a payment with a new bank account to keep my account current. Even though the payment only bounced on one account they closed both accounts. I called capital customer service and explained to them that my bank account had fraud occurring and that I even had an open investigation to get my money back. The supervisor told me to submit the documents and my account would be back open. She provided me with FALSE information. As if COVID wasn't already ruining my life Capital One ruined my credit. When I talked back to the supervisor and asked why my account wasn't opened back up if I provided proof of fraud on my bank account she made me feel horrible as if the amount of money the scammers took from me wasn't a lot of money to cause this they took almost {$2000.00} from me. I feel highly discriminated against and I want to pay my debts and be treated fairly as a person without the extra comments when I explain that I need help. I would like both my accounts to be turned back on in good standing. They even denied me a new credit card, saying my history with them wasn't good. Both of my accounts were in good standing. I had NO late payments, I made extra payments and one card I even paid completely off. Being discriminated against puts me in a sad place. I am in the middle of a pandemic and funding was taken away from my family while in fact we had COVID even my new born baby.Someone stealing from me was not my fault so why am I still being punished
Consumer complaint received 2021-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

We opened a XXXX with Wells Fargo and about two years ago we submitted the requested notarized paper work to close the account. Wells Fargo continues to send us threatening letters about not having insurance on our property.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau XXXX : This should of never went to collections. I never received a notice back when this were due. Also there shouldn't of been a balance because this was paid a long time ago. I was told that this was going to be removed from credit and it never was. I no longer owe this debt as it has already been satisfied. This needs to be removed from my credit file immediately as this is what should of happened in the first place.
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

See complaint XXXX, HSBC is stating they never sold this debt to a collections company, if that is true then this collections company is committing fraud to attempt to collect a debt discharged in bankruptcy. HIGHLY ILLEGAL. I have already had my lawyer send a cease and desist letter, however this is extremely concerning and appears highly illegal. Your job is to protect the American public, please do so and find out what is going on here. What I think happened is the collections co went into PACER, pulled some information, and tried to scam me or HSBC is overtly lying on the accompanying CFPB complaint response. This collections co has an interesting reputation online too, called a scam multiple times.
Consumer complaint received 2020-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX 's account is identity theft. I have sent FTC reports to XXXX, they still will not remove the XXXX/XXXX account. XXXX  is playing dirty games ....
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (HI)

I was pressured to make a credit card to get a better deal on a mattress by a Sears employee. After creating the card, I expressly asked if I could defer payments and he assured me that I could, as long as I paid off the balance before the year was up. 

When he took my address, he did not take down my PO Box , insisting that he needed my physical address. Since he did not take my mailing address, I never recieved a bill from Sears.

Months later, the Sears company forwarded the amount due to collections and reported to my credit agency I had a delinquent account and 4 missed payments. At this time I had not received anything in the mail or received any phone calls and was not aware I had a missed payment. I promptly paid the collection agency in full, but Sears neglected to take the 4 missed payments off of my credit report, even after disputing it with them.

Sears has never sent me any documentation that showed they mailed me the bills to my correct address. It appears that the employee put my physical address as my mailing address.
Consumer complaint received 2020-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Social Finance, Inc. (IN)

Recently purchased a phone, got scammed, seller agreed to refund but never sent anything to refund the item back. Case got denied because I couldn't ship the broken device back because the seller didn't send anything. Tried contacting my bank twice and they denied it. They are clearly condoning fraud and it's disgusting.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OK)

I closed my account several months ago due to an unfair credit line reduction but was continuing to make my monthly payments. I received a bill with a due date of XX/XX/2021 for balance XXXX. Sent in a check a week in advance for XXXX. They posted it in XXXX and will not remove late fees for their losing of my payment. My payment due XX/XX/XXXX posted just fine. My last contact was today 4/8 and was basically told that they don't care. I have paid for years, they drove away a paying customer and now want to rip me off. I will only pay what I fairly owe. I don't see how I make my due amount every month and they lose it and blame me. I will send in a payment 4/9 minus any late fee and write paid in full. I will not pay a dime more, I will file a complaint every day, and tell everyone in the world not to use Citi Bank.
Consumer complaint received 2022-04-25
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. (NY)

XXXX accordance with the Fair Credit Reporting act DIVISION OF CHILD SUPPORT # 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 2020-08-31
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (GA)

Two unauthorized debits from money market account in two consecutive months by " Shop Your Way MC ''. 
( 1 ) XX/XX/2020 = {$20.00} # XXXX ( 2 ) XXXX XXXX, 2020 = {$22.00} # XXXX We tried to call " Shop Your Way '' but needed to give them our MC # ( We do not have a MC with them ) or our SSN ( No thanks ) Our bank is handling this problem but we want others to be warned.
Consumer complaint received 2023-03-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This loan did not represent the fees, charges tacted on. This is violating me as a consumer I have complained several times I am suppose to be provided proof of what was done to the repossessed vehicle, I am suppose to be shown how {$3000.00} have been added to my deficiency balance. This company was Sued in another state for the same behaviors. This loan was not honorable the vehicle was no good after driven from the lot I was forced in this car by the dealership, its not the first of the lending hearing of this I was not allowed to use my warranty when car broke down a week later. The company needs to pull all calls made to lender I was told nothing could be done. The car wasnt worth sell which is why it was dismantled. Ive attached the most recent lawsuit in which I am a victim of this company as well.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-01-30
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. (FL)

This company does not answer to my disputes regarding this account without stating that my FTC AND MY DRIVERS LICENSE are invalid which is incorrect. I have 4 witnesses that can prove I have done so properly and in a timely manner for 11 months. Equifax continues to spam myself with mail without having any permission purpose to post this invalid account onto my credit file and continues to lie to the consumers about their investigation process.

This company is not putting the account in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting this inaccuracy you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX This company does not investigate XXXX XXXX XXXX XXXX and states that they get paid business from keeping business with them and leaving my credit in the ruins