davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I contacted Experian multiple times about these nine accounts not properly reporting. 

XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ONLY report CO. They do not report 30 day late or anything more than Co. per law, you can only report from first date of delinquency, not first date of collection.

Attached are photos of one account showing this and Experian claiming they updated account in XXXX  but per status shows not been updated since XXXX. 

XXXX XXXX does same thing. Reports co but not first delinquency. It also shows balance due but the past due are two different numbers. This is besides the fact I have no idea who XXXX XXXX is. Experian again reported updated report XXXX 

HOW ARE YOU VERIFYING? I asked multiple times. I have that right to see HOW youre verifying. XXXX XXXX is NOT my account. Besides that inaccurate reporting. 
Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule.
Consumer complaint received 2022-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

Hello, I applied for a HELOC with Navy Federal Credit Union. I have been in my home for 14years current on my mortgage. my credit is a XXXX XXXX I have been employed with the same company for over 14 years. I was denied the HELOC loan and was never told why I have equity in my house. But I was approved for refinance with a higher interest rate than wht I have now. I don't want to refinance
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am making this complaint on behalf of myself, and not through a third party. I have been trying to resolve this issue with Capital One since XX/XX/2021. I sent them a letter for them to validate the alleged debt they claim I owe which was received on XX/XX/2021. They did not respond to my demands pursuant to 15 USC 1692g. I am still awaiting them to send the correct information for me to validate this alleged debt based on the information required by 15 USC 1692g. Since that has not happened, I am disputing the alleged debt and requesting that it be removed from all company records and also removed from any and all consumer reporting agencies. I sent an affidavit of truth which they have not rebutted which contained details about how they have violated me with proof in exhibits. Capital one even went as far as closing my account with providing me any warning or information as to why they did when I simply requested information to validate the alleged debt. Capital One also opened a new account with my information without my consent. The original account ended in XXXX and this new account apparently ends in XXXX. Capital One 's responses to me have been insulting and I have lost sleep at night trying to figure out what to do to move forward and get this resolved. They have violated me and I am acting within my protected consumer rights. My reputation has been ruined by Capital One and their reporting fraudulent information on my credit report. I want this issue to be resolved swiftly as the longer it goes on the more damage I am taking.
Consumer complaint received 2022-02-10
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. (TX)

For the last eight years I was disputing negative accounts due to fraud.

They never investigate properly and i remain in bed credit for eight years as my score stays at XXXX. 
Statuary of limitation was expired in 2021 but XXXX XXXXXXXX XXXX fraud negative accounts are still not deleted.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Data Corporation (FL)

around XXXX XXXX i noticed my XXXX account was being deminished by XXXX XXXX ... all my va  XXXX money being wiped out of my XXXX XXXXccount by XXXX XXXX. the total amount in the end was XXXX XXXX ) that was stolen by XXXX XXXX. upon further investigation someone had been ordering products using my XXXX account that was saved in my XXXX XXXX account. contacted XXXX and XXXX stated someone did compromise my account and ordered products total of ( XXXX ). it has now been three months, XXXX assuring me i would receive a refund, and i have still yet to receive a refund. the only thing i have received from this is a lot of fees and headaches. i spent three months calling this company and XXXX states you need to call telecheck ... call telecheck and they state you need to call XXXX please assist in this matter as i am a XXXX veteran and i use my XXXX check for my livelihood.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CT)

Equifax removed/corrected dates ( DoFD ) on a old XXXX account per this dispute. Several days later they restored back the old information with even earlier dates and worse payment information without the required notification that they were adding back the information they had previously removed under the dispute.
Consumer complaint received 2022-02-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-31
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. (GA)

I submitted a complaint through a letter way back on XX/XX/XXXX about inquiries that I did not authorize that are showing on my credit report I made it respectful request into the investigation and I have not heard anything back it has been over 30 days. I also followed up with a 30-day demand letter tracking number XXXXXXXX XXXX XXXX  XXXX XXXX XXXX and I still haven't heard anything has been verified deliver by the tracking number on the letter attached to this complaint.
Consumer complaint received 2016-09-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Hello everyone my name is XXXX XXXX and I had a Business account with Wells Fargo which soon sky rocketed down because I was not informed that this third party would have access to my account to take out funds for a credit/debit card machine, So as they began to withdraw funds, I was being over drafted every month {$34.00}. I called the bank to ask about the situation and I was told that the funds that was causing my account to over draft was for a " cash register '' that I never received. So I asked them who gave them the authorization to go into my account to take out the funds, so they then told me that they were going to get in contact with the third party to stop what was going on but it never happened. So that left me no choice but to close out the account, which made my daily income to go from $ XXXX- {$20.00} because most customers used debit/credit cards and not cash, which made me lose customers. With me having XXXX kids, a XXXX father, XXXX husband, and this being my " first business '' made it very difficult for me to have time to go open up another business account somewhere else. One day I had to close down to go open another account with a different bank, and when I went to XXXX and XXXX XXXX XXXX I asked them did they have any third parties that they hired for the card machines and I was told Yes. So since the bad experience with Wells Fargo I lost trust with banks and this third party having access to my business account, which meant I could not accept no more debit/credit cards for my restaurant. Which left me no more business and bad credit because of them charging me for closing out the account and the credit card machine that I have today. So if someone can help me with this issue with Wells Fargo or just maybe my experience can stop the banks and there third parties go into peoples accounts taking out funds.
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I made the following payments on XX/XX/2020 to this PRA Group, a debt collector and it is referenced on my redacted bank statement which is attached : PRA Group for {$290.00} ; PRA Group for {$390.00} ; These accounts have been paid and to date XXXX and PRA Group are still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to XXXX received on XX/XX/2020 and a letter to PRA Group received on XX/XX/2020 they still have not reflected the payment.
Consumer complaint received 2015-08-05
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

XXXX XXXX XXXX XXXX has reported incorrect information, and these collections should have been taken care of already. I had insurance at the time and they never billed insurance. They were to remove the XXXX items three months ago, and they still appear on my credit reported, hurting my credit as they are in collections with Wakefield collections/XXXX XXXX XXXX center. Please help me to get these removed.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DC)

I opened a Citibank checking account as part of a college campaign when I was XXXX years old. The account was free as long as I had deposits every month. In XXXX of this year, Citibank automatically switched my account into a new " full service '' account which charged me {$25.00} a month unless I maintained a $ XXXX balance on my check account, which is a lot to ask for. They did not ask for consent to switch my account over. They claimed they sent me a letter letting me know it was done, but I did not receive it. I 've asked them to reverse the fees, since if I had known, I would not have authorized the switch, opted for a basic account, or closed my citi account. They 've reversed half of the charges, but wo n't reverse the rest. They also charged me a {$25.00} fee after they switched my account back to a basic account upon request. Please let me know if there 's anything you can do to help, thanks.
Consumer complaint received 2020-09-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have been dealing with this issue for sometime. With Experian, XXXX and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. 
Also, in XX/XX/2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. 
On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX didn't respond yet. 
1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX deleted it 2 months ago. 
None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. 
Also, I am veteran that is total disable all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a homeless veteran.
Consumer complaint received 2015-10-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Michael Haynes & Associates, LLC (DC)

I was asked to choose XXXX item that best describes my issue however multiple issues could have been selected. The latest one that has me seething is they called my mother in law pretending to be conducting a background check on my company. Asked her if my husband was in fact my husband, asked her how many employees I had and asked for my phone number. Then he called my husband to tell him I had a debit. They have not produced a document proving this debit is mine. I have repeatedly told them I know nothing about this - and to please send me actual documentation and I 'd be happy to pay whatever I actually owe. They call me EVERYDAY. I called them yesterday to make the phone calls stop and this bully named XXXX XXXX said all kinds of crazy nonsense - that if I was a XXXX he 'd be willing to settle this debit right now. Asked me what I did for a living - told me I was rude and uncooperative when I would n't engage in personal conversation. He 's a bully. And a liar.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have been having the hardest time with Experian. I had been incarcerated from XX/XX/XXXX and got released XX/XX/XXXX and within that short amount of time, My identity was stolen and used. So, I go to make an account on there to check on my " FRAUD ALERT '' I placed back in XXXX and they say I already have an account. Which I know I don't. So, now they never answer the phone and they won't send me anything in the mail. When I got a hold of someone in the main branch, They continued to laugh and make a joke of it and refer to me and my husband as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I am utterly offended by this company and will never feel anything but agonizing anger. I was so caught up in the " XXXX joke '' that I forgot to register her name. 

Respect should be the number one thing for a business.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX and equifax, XXXX, and XXXX  continue to knowingly report wrong information on my credit file. I have repeatedly shown them proof that the same account they are reporting opened was also opened in 2011. Therefore its well over the number of years allowed to be reported. They also can not prove any activity or payment on the account ever. This is clearly a violation of FCRA reporting rules and I have hired a lawyer to resolve this violation and seek damages.
Consumer complaint received 2016-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Gerald E Moore & Associates, PC (GA)

Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now Gerald E. Moore and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX and XXXX regarding XXXX, who they first turned it over to.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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.

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 records of convictions of crimes which antedates the report by more than 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: GFS II, LLC (MD)

On XX/XX/XXXX I sent Gateway Financial Solutions an affidavit requesting proof under penalty of perjury that they are in fact the true creditor, and not an elaborate scheme. I have reasons to believe that Gateway Financial Solutions obtained payment for my vehicle by way of selling the promissory note I affixed with my signature on XX/XX/XXXX when the transaction was initiated. I requested documents proving the funds that paid the dealership for my vehicle in fact came from their own reserves. Its required under 10 Maxims of Law that a lien or claim can be satisfied only through rebuttal by counter affidavit point by point, that which Gateway financial solutions failed to do. Instead they sent a letter that adressed only 1 of my concerns. They provided the contract in question, which I did not request, and their license to do buisness in Maryland, which I did request. As of tofday XX/XX/XXXX my affidavit remains unrebutted. Some time between the night of Monday XX/XX/XXXX or the morning of Tuesday XX/XX/XXXX gateway financial solutions repossesed my vehicle despite being required to stop all debt collection activities until this matter is resolved, violating 15 U.S Code 1692c. On XX/XX/XXXX I recieved a letter threatning to sale my vehicle if payments to this alleged debt is not made by XX/XX/XXXX which is a violation of 15 U.S Code 1692d ( 4 ). I have provided the pre-notarized version of my affidavit sent, as well as all the correspondances sent to me, the notice to sale, my supporting documents and an invoice.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am having a situation where i have already sent in documents to the major credit bureaus asking them to please remove a fraud alert placed on my credit report. 

I have sent them the proper documentation they have have requested. 

ID, Social Security Card, utility Bill to prove my identity. They have yet to remove the fraud alert and it is causing me lots of street and financial hardship. 

I am providing all documents once again
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2022-02-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and maXXXX have got into the hands of the wrong person.
Consumer complaint received 2020-09-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.