davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
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. (FL)

I am unable to retrieve my Equifax credit report. I even went so far as to sign up for their highest product tier, which is {$19.00}, was charged for it, and still am unable to access the account or my credit report/profile. I have called dozens of times, written to them, as well as faxed. They don't respond to my letters or faxes, and on the call, the agent just resets my password and tells me to wait 30 minutes and try again - same result. I am now being billed for a product I can not use. Now, my credit cards are being closed because they can not access my Equifax credit profile, and am unable to apply for any new credit because of this. I even had the agent change my email and password to no avail. Sometimes, when I try to sign in, it says an account doesn't exist and to sign up. When I enter in my information to sign up, it says an account already exists and to sign in.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST ADVANTAGE CORPORATION (NE)

We filed and were approved for a Chapter XXXX Bankruptcy in XX/XX/2019 which included an account we had with XXXX. Upon applying for new employment recently and receiving a copy of my report I noticed that this account is not only appearing as open on my report and delinquent.
Consumer complaint received 2022-04-07
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. (WA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.
Consumer complaint received 2020-10-27
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. (MO)

Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX  {$6800.00} 3. Dept of ED/XXXX  {$10000.00} 4. Dept of ED/ XXXX  {$5800.00} 5. Dept of ED/ XXXX  {$10000.00} 6. Dept of ED/ XXXX  {$4500.00} 7. XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

As part of the hack of Equifax, my personal information had been stolen. Unlike other hacks such as XXXX, and XXXX, Equifax is not a company I can choose not to share my information with. If I want credit, which is necessary these days, then they have to have my information. If they can not protect the personal information of people that are REQUIRED to use their services, then what are they doing being in business?
Consumer complaint received 2023-01-18
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than of convictions of crimes which antedatesthe report by more then seven years .15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/23 fraud Amounts withdrawn from account {$500.00} XXXX  {$1200.00} paypal {$240.00} XXXX XXXX  I informed the company that these were fraud transactions and that though i authorized this amount to be sent. I was forced to send this money over because I was threatened to otherwise my one of my family memebers was going to be harmed. I was told that there was nothing they could do for me because i didnt contact the police first and because i authorized the transactions. ive been a memeber with chase for XXXX years. ive never reported fraud before. I felt as my report was disgarded and not taken serious and should be refunded the money.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Greetings. I am submitting this complaint as a follow-up to my recent grievance, conveying my urgency earnestly. I am certain that none of these inquiries were authorized by me, and the associated addresses do not belong to me. For your convenience, I have itemized the details below and reattached my FTC report with the reference number # XXXX : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-18
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: Porania, LLC (NJ)

I have this account that is not mine and i want it to be removed from my credit report. 

1. XXXX XXXX XXXX XXXX XXXX Case Number : XXXX This is not mine.
Consumer complaint received 2020-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (IN)

The disputed company debt represents medical expenses. The specific debt was discharged in bankruptcy so it is considered SETTLED, thus according to the legal statute below, should be deleted from the credit file as it relates to being medical debt. Please delete from the credit file. 

With further respect to the Medical Debt Relief Act of XXXX, please recheck the application of health insurance is properly applied to the account and institute a 180-day waiting period before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of XXXX, it was enacted to increase the waiting period to 1-year before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the XXXX amendment noted above.
Consumer complaint received 2022-08-13
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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.

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.

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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I demand it be deleted and to not be put back on in the future.
Consumer complaint received 2023-01-11
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. (NJ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken ()

Reference : KRAKENs transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with KRAKENs wires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated by XXXX the Company. The funds were transferred utilizing KRAKENs services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XXXX XXXX I filed a dispute with KRAKEN XXXX
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MN)

On XX/XX/18, XX/XX/18 & XX/XX/18 23 I contacted XXXX XXXX XXXX XXXX XXXX ( MCM ) about a debt that came up on my Credit Report. On my Credit Report, the amount owed was reported as a loan, not as collections. This was reported on XX/XX/18 against my Credit Report. I spoke with several representatives on the dates above. I requested a statement from MCM that I owed the debt as well as validation from MCM that I owed the debt. No one at MCM could provide this to me. Additionally, several representatives told me they were not authorized to discuss my account with me and could not provide proof I owed a debt to MCM. 
MCM confirmed my mailing address ( as shown above ) was correct. However, I have not received any correspondence from MCM. This was reported on XX/XX/18 against my Credit Report.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (FL)

Chase has called my job 3 times in attempts to collect a debt. I never gave them my job number but somehow they have tracked it down. I can lose my job for this. I would like for chase not to call my job. At this time I am enrolled in a debt consolidation program.
Consumer complaint received 2022-08-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights account opened XX/XX/2021 for {$1200.00} 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 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned about : XXXX XXXX
Consumer complaint received 2021-08-18
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: WELLS FARGO & COMPANY (SC)

Wellsfargo is using an algorithm that factors in race resulting in a decreased credit scores for people of color. This is a violation of my civil rights when seeking to obtain an adequate interest rate. Their method is suppressive to people of color. I recently paid down {$14000.00} in student loan debt and more than {$1200.00} on my auto loan only for Wellsfargo to decrease my score 20 points after the major credit bureaus has increased my FICO score 18-20 points. I strongly believe Wellsfargo decreasing my score is suppressive due to their algorithm using race as a factor. Their racist algorithm needs to be invested.
Consumer complaint received 2023-01-11
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: Self Financial Inc. (CA)

On XXXX XXXX a missed payment was reported to all XXXX bureaus on a closed Self financial account. I have a closed account reporting a missed payment and I've sent many disputes to the creditor over the past year asking them to validate the account. They have failed to validate it and remove it. I need this account removed immediately.
Consumer complaint received 2022-08-13
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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. 

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.

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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I demand it be deleted and to not be put back on in the future.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXBankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-10
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. (WI)

This account is not accurately showing on my report. It should be closed and satisfied, yet its showing open and late. Additionally, since disputing they have updated the last date of activity when that is incorrect. This account is over 7yrs old, and I have not reached out, nor conducted any type of business with them since this account was charged off over 7yrs ago.
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (KS)

Hello my name is XXXX XXXX. I was behind on my student loan payments, because of medical issues with my daughter and myself. I called Navient to see what my options are to help me get back to an even balance. I entered into an agreement with Navient to be put on to an automatic withdraw to get me caught up. A number of months later my parents made a large payment to Navient, because of the XXXX of my grandparents and the inheritance they received, to bring my balance " current '' or back to XXXX. I continued to still make my monthly payments in accordance with the agreement as my monthly payment. For months my amount due has been XXXX, but i still have had my bank account withdrawn for the same amount. I called customer service to dispute the latest payment that was automatically withdrawn, and to see if I could get a refund. " This is not an option, because i entered into an agreement '' the customer service XXXX told me. The only option was to withdraw from the agreement for future payments. Needless to say I was upset. I know that I entered into an agreement with Navient, but the agreement was unclear at best. The agreement didnt end when my balance was current it was for an amount of time. I believe this is unfair to me, not because of the agreement, but because of the lack of information available to me about this agreement When calling customer services the automated message as well as the representatives continuously say you can visit XXXX for more information. This is untrue. After being on the website for hours, I was unable to find any information regarding my agreement, that I was on an automatic payment ( even though I had the option to enroll in automatic payment for the same loan ), There isnt even access to a future payment schedule outlining payments that are due and the amount. The only information on the website was my past payments and my current amount due, along with repayment options, and limited account summery. I believe I have been misled into this agreement. I would have taken the option to withdraw from this agreement months ago if I had any information made easily available to me regarding my agreement, payment plan, upcoming scheduled payments, but I couldnt find any of this information. I believe Navient is being intentionally vague, misleading, and making it extremely difficult to find important information. Navient does not care about their customers. I believe Navient is the biggest deterrent to the pursuit of higher education. This is even having me consider not sending my XXXX and XXXX XXXX XXXX daughters to collage unless they have a job that provides tuition reimbursement, because what little I am able to save for their collage, will not be enough. Im not writing this just for myself but for the countless others that could be struggling with the same problems I am. 
Thank you for your time. 
XXXX XXXX