davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC (GA)

I would like to say is that this company wasted my time. I initiated a transfer on Monday and had to verify my identity through their third-party verification company. Then I received a confirmation/receipt that my transfer has been initiated. 

A few hours later I received an email stating my account is under review and that I have to upload my identity. I emailed them and told them that I have already uploaded my identity and I thought that everything was good to go. Even when I tried to log in to upload more documents the message states " We are checking your documents ''. 

The next day I received a call from a rep and she asked why I am sending the transfer to myself. I told her that I live in the XXXX also and need to send money to myself from my US account. The upload page was working now so I reuploaded my passport. 

Today, I woke up to an email saying my account and transaction is canceled. Wow! What a waste of time. They have already debited the funds from my bank account. They should have at least got my account approved before debiting my account. Now I have to wait to get my money back. 

I think they are earning interest on my money. Stay away from XXXX. They discriminate.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # XXXXXXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (CO)

On or about Thursday my wallet and phone were taken by my step daughter and her boyfriend. While they had my phone they apparently applied for a loan through lending tree. My banking information was given out and XXXX was deposited into my checking account. I guess money was supposed to be sent back but was not able to do that. Now my bank account is locked. I don't believe this is a legit company. They asked for money to be XXXX XXXX back also gift cards to be purchased.
Consumer complaint received 2017-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

In XXXX I called this company to find out what was the debt on these three accounts. One was {$770.00}, {$2500.00}, and {$2400.00}. XXXX XXXX I paid two of the accounts and explained to them that one of the accounts I did n't have. I paid the {$770.00} and XXXX. The agreement was to pay the accounts and they would be removed. In XXXX I called Portfolio Recovery Associates, LLC to inform them that the accounts still were showing on my credit report. About two days later I received a letter on one of the account saying they were deleting one of the accounts. I waited two more months and went to apply for a home loan and found out all the accounts were still showing. I 'm in the process of trying to get a home for my XXXX XXXX sons and due to their condition we have to have a lot of modification to the house.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX XXXX 's report listing XXXX XXXX as the thief. Also attached is XX/XX/XXXX XXXX XXXX XXXX and XXXX Conviction for credit card abuse. The conviction was one of my cards as referenced in documents. Also attached is her XXXX Mississippi arrest for false pretenses, forgery, credit card abuse. This should be important to Discover. It reflects how she had impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a my fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have tried a few times to have equifax accurately show that my auto loan from XXXX bank and trust is an open account and in good standing. There hasnt been a late payment on this account in several years. I have tried to have this fixed. In my dispute results, under date closed, there isnt anything, but its still showing as a closed account.
Consumer complaint received 2021-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.
Consumer complaint received 2023-03-29
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. (TN)

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 states I have a right to privacy.

15 US 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 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Hello my name is XXXX XXXX and i am reaching out to you concerning my credit report. On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 45 days and I have not received a response to my disputes. I feel as though Im being ignored, and my issues aren't being promptly resolved. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be removed or I will be forced to seek litigation. My information was also impacted by the Equifax breach and may have gotten into the hands of the wrong people.
Consumer complaint received 2020-09-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$3500.00}, {$3200.00}, {$11000.00}, {$15000.00}, {$18000.00}, {$0.00}, {$10000.00}, {$3400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XXXX XXXX called Midland Credit debt collector @ ( XXXX ) XXXX to resolve a debt that was in collections. The balance of that debt was {$3100.00} was able to work out this debt with the collector supervisor ( XXXX ) and signed over the phone the settlement which was a {$2400.00} we agreed with XXXX payment of {$2000.00} on XXXX which went through and the second payment on XXXX of {$480.00} in which payment went through. I have all bank Statements and proof that this transaction took place with Midland Credit. In attempt to call them on Friday XXXX Talked to supervisor ( XXXX ) to question that I never received a confirmation letter or any number that everything was paid off at that point 7 days already had passed and I pulled my credit report and was showing late non-paid for the month of XXXX in which I paid all debt according to settlement agreement in the month of XXXX. All I want is to have this collections removed from my credit report ( ASAP ) and some type of receipt or confirmation to show I paid this amount we agreed on PAID OFF. I strongly feel that they are taking advantage of the good people that are actually trying to get there debts paid this collector is quick to try to sue people over these items.
Consumer complaint received 2022-11-17
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
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. (TX)

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 any purpose.
Consumer complaint received 2018-07-27
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: EQUIFAX, INC. (CA)

I am a Victim of Identity Theft and on XX/XX/XXXX, I mailed out the first dispute letter via certified mail to Equifax with documents showing proof of Identity Theft. I attached a letter with the details of all the accounts that does not belong to me, that I did not authorized to be opened. I also attached my driver 's license, SSN, proof of address, Identity Theft Report, and the Fair Credit Reporting Act Section 605B letter. I have sent them all the required documents 3 times, and none of the Fraud Accounts has been removed! Now it is way over about 4 months they haven't resolved this matter, they clearly are not complying with the Fair Credit Reporting Act 605B. I need your help in contacting Equifax to respond to this matter immediately, as I have provided all required documents of proof to pursue this matter, or I will take action with the lawyer for monetary damages!
Consumer complaint received 2021-10-16
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: EQUIFAX, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account with transunion agencie and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of the paid off certification from the bank. Trans Union indicated directly by phone that Bank letter that certified account was paid in full and closed is not acceptable. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account, and not investigating deeply about the account.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (NC)

I listed the items below that violated my consumer rights ; under the Fair Credit Reporting Act, I have the right to dispute all the incomplete and inaccurate information in my credit account. 
It has no account name and only reports to Equifax. XXXX, XXXX, XXXX, XXXX, ( Original Creditor : ) XXXX, XXXX. 
According to Fair Credit Reporting Act 15 U.S.C 1681i, Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Section 623 ( a ) ( 2 ) : Duty of furnishers to correct and update information
Consumer complaint received 2020-06-04
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2023-03-11
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XX/XX/XXXX .
Consumer complaint received 2021-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Consolidated all qualifying loans with Fed Loan on XX/XX/XXXX. Started working for eligible PSLF program starting XX/XX/XXXX through XX/XX/XXXX. However, Fed Loan states that XX/XX/XXXX " You Do Not Have A Bill Due For This Payment Period '' and XX/XX/XXXX " You Do Not Have A Bill Due For This Payment Period '' therefore are not counting these two months as a part of the 120 months for payment which doesn't make any sense as I was working for a qualified employer since XX/XX/XXXX. Fed Loan also states that from XX/XX/XXXX - XX/XX/XXXX my employment isn't certified even though I fill out the recertification of employment annually without missing any steps to keep record of the count. I recently filled out the recertification form ( XX/XX/XXXX ) to re-certify the same employment I've been working at since XX/XX/XXXXand was emailed " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. '' This statement also doesn't make any sense as my final bill shouldn't be until many years down the road. I would like an updated official count on my PSLF loans before my loan is transferred to another servicer. Thank you.