davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian have failed to provide validation of public records listed in my file under my name and social security number. I have reached out to the credit reporting agency and they have failed to provide requested information. According to  FCRA 623 ( a ) ( 5 ) if the credit  bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of  XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the  U.S. Ba nkruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankru ptcy Court and re ceived a letter in return stating The Clerks office does not provide information to credit reporting agencies. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (UT)

I returned from  XXXX  in   XX/XX/XXXX , a nd in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a   XXXX   XXXX   fro m XX/XX/XXXX  unti l   XX/XX/XXXX , a nd then returned  in  XX/XX/XXXX  through  XX/XX/XXXX  t o  XXXX   XXXX  and   XXXX   at   XXXX   XXXX   XXXX  .     - According the credit reports I have managed to obtain, all accounts were opened and used while I was in  XXXX . I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts -  two have  been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from  XXXX  that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account.     - The disputes came back from each CRA, including  XXXX  and Experian, with no changes. I have sent all CRA 's, including   XXXX   and Experian, substantial proof that I was living in  XXXX  at the time the accounts were opened and used in the United States. Regardless,   XXXX   and Experian have not fully investigated the issue or accounts nor removed the fraud from my credit report permanently.   XXXX   only finalized this issue because of the complaint with CFPB because they realized they did not follow the law in completing the investigation.  XXXX  and Experian are also not following the laws in credit reporting by not accurately and completely investigating the issue despite all of the documentation provided.     - Becoming  XXXX  as an adult and not able to use   XXXX   XXXX    ( or  XXXX  ), it  is very difficult to communicate with the credit card companies myself. I send everything through letters or fax but those documents are not accepted as they will only " speak '' with me over the phone in order to validate my information.     - There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.     - I have again attached documentation of proof of   XXXX   XXXX    timeframe from   XX/XX/XXXX  until  XX/XX/XXXX  i n  XXXX , police report, and FT C Affidavit.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time.  All 8 accounts and history of all 8 statements/bills and proof that all 8 are indeed mine. I am disputing I ever had 8 delinquent accounts.This is not fair reporting
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit 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   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  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 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   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 2017-04-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I was a student of  XXXX   XXXX  from  XXXX . During that time the administration and financial aid departments encouraged me to fully finance my education through various loans and grants. The total 4 years of tuition, fees, etc. was close to {$100000.00}. Since graduating I 've paid this much towards the loans and grants, however the total balance is still over  XXXX  ... I believe the school acted in coercion with  XXXX   XXXX  and various other agencies, engaging in willful deceptive practices, and ensnaring underprivileged students in further poverty.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax continues to report a collection account from  XXXX   XXXX   XXXX   XXXX  in the amount of {$35.00}. I have contacted  XXXX   XXXX   XXXX   XXXX  and resolved the account directly with them as documented by the attached proof of payment. I subsequently disputed the account with Equifax, however, Equifax continues to report the account with a balance.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo began to show a debt on my credit report as failed to pay in XXXX of XXXX which was discharged in a bankruptcy in XXXX. Once this was reported as failed to pay from XXXX to XXXX on my credit report my credit score dropped 24 points immediately. I contacted Wells Fargo and after speaking to several representatives and being disconnected having to repeat the process several times I was finally connected to someone in the " bankruptcy department ''. This woman took several minutes to look up the bankruptcy in court documents based on the case number I provided her and found the debt discharged in the bankruptcy. She then referenced an unrelated dismissed bankruptcy which made no mention of Wells Fargo or any debt which was dismissed in XXXX and stated that the debt was placed back on the credit report because of this. Wells Fargo is refusing to follow the law as it pertains to bankruptcy, they are refusing to contact the credit reporting companies to have the problem corrected in a timely. I need Wells Fargo to call the correction in to the credit reporting companies so that it can be applied to the credit reports within 24 hours.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

sent letters XXXX and Experian CB and told them that I was under fraud and the Hard inquires on my report were not authorized by me. I sent letters with receipts and they were signed for and with no actions or updates on my credit 30 days waited and no action. so I sent a second letter with no actions done on my credit, so I know rights and the credit laws, by study. 
I need help.
Consumer complaint received 2017-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (CA)

This online credit loan company needs to be shut down! They are taking advantage of consumers who are trying to rebuild their credit after a bankruptcy! They are given high interest loans ( 126  % ) interest ra tes! They can not be taking advantage of the  XXXX    XXXX   and  XXXX   XXXX  personnel who need money to pay for bills and financial hardships that arise!     I will not pay this loan back in the amount of  XXXX . If they lower the interest ra tes to 10-15 %, then I will pay have the loan back! This company is a modern day, moffia loan sha rking company!
Consumer complaint received 2022-08-03
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

I did initiate wire from my own account ( marcus ) tranfer from marcus via phone due to large amount on XXXX XXXX XXXX XXXX XXXX PST to My XXXX XXXX and according to marcus on their website wire before XXXX will process on the same date but i did contacted them 3 times regarding status and still pending on XX/XX/XXXX. Its my own fund and they are delaying it. they should have wire out same day but i am writing complain on XX/XX/2023 XXXX XXXX PST and still not transfer has been done i still see funds in my marcus account. I am also suspecting they will not be proving me this delay days interest also.

I am attaching their own rules from their site for wire transfer details.
Consumer complaint received 2022-08-03
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. (TX)

On XX/XX/2022, I mailed Equifax a letter disputing XXXX as erroneous ascertified mail with return receipt requested. I received notification that Equifax had received the dispute letter in the mail XXXX. I have not received a response from Equifax as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, Equifax has 30 days to investigate disputes. Equifax must delete all disputed accounts from my report if they are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter outlining the disputed accounts. 

Since I am prepared to pursue this matter in XXXX Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I opened an account with Wells Fargo on XXXX. I never had any problems with my account until I received some XXXX deposit on XXXX the amount was {$2300.00} for the part time job I started in XXXX. I was told the amount was reported fraud. I spoke with my XXXX from the part time job. The XXXX told me that wasn't right. It happened again on XXXX for {$2000.00}. I explained to Wells Fargo again payment was for my part time job. I also received a call from a Wells Fargo representative letting me know someone called Wells Fargo pretending to be me during that time. I created a password to make sure my account is secured. The password would be used when I call in about my account. 
In XXXX of XXXX someone's unemployment payment was sent to my account by mistake. Wells Fargo blamed it on me. I told them I didn't know that was sent to my account. The money was returned to the sender no problem. I thought everything was okay. I received a call from Wells Fargo on Saturday XXXX that my account was being closed and there's nothing I could do about it. I went to the Wells Fargo ATM to get my money that I could get from the account. They would not listen to me. The blamed all mistakes in me. I made sure my account was secure from my side. The closed my account wrongfully.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : 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 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the Fair Credit act 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.
Consumer complaint received 2017-04-27
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. (NY)

I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX ,   XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (WA)

I applied online for a Home Depot credit card through Citibank. I entered my landline phone number on the application. The system asked to send a verification code through text message or answer security questions. I chose to answer security questions since my landline phone does not receive text messages. I answered the security questions, and the system said I would need to call to give more information. By that time, the call-in number was closed, and I had to wait until it reopened the next morning. I called and was asked by the second Citibank rep who asked for my cellphone number that my cellphone number could not be verified by the Citibank system. In seeking to understand the details of this decision, I talked with six additional Citibank representatives - for a total of eight -none of whom could give very clear answers. I was told that my only option was to go into a Home Depot and present photo ID - no guarantee that that would work. I requested that my application be deleted. The Citibank representatives said they could not do that. They said that my application would remain active for 30 days, then it would be archived.
Consumer complaint received 2015-03-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

In XXXX I applied for a short term loan with my financial institution XXXX XXXX XXXX XXXX XXXX XXXX. I have been a member of this banking organization for 40 years. The application was not approved, due to a credit report received from Experian. Several visits to the credit union attempting to resolve this issue were unsuccessful. I was advised that this was an issue which I needed to address personally. I submitted a dispute on-line and a phone call but continued to get the same results. After complaining to my credit union again, they submitted a formal dispute to Experian, because they should have been listed on the credit report. Final results was on last week produced promising resolution. After three ( XXXX ) months of disputes, someone discovered the truth.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX   XXXX   XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Hello! 

In XXXX 2022, I made several disputes against XXXX XXXX XXXX due to breach of contract. You decided most the cases in my favor except for two. When i inquired about it, the reps could not explain why. The payments that were decided in the sellers favor were parts of the payments that were decided in my favor. I submitted proof of merchant not having license while he was performing the work and the defective half way done work that he did. However you still claimed that i did not provide proof of due credit. I would like for the cases to be reopened. 

Thank you.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (KY)

I have mailed Experian dispute letters on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and they never did an investigation? They never said anything was frivolous? This has to be a FCRA violation. Are they legally allowed to do this? Do they save money by not doing their jobs? Plus I have to repeatedly ask for Experian to correct wrong names, address 's and social security numbers I have no idea who or what they are? I have been told this is a really bad thing to have on your credit, is that correct?