davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
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. (NC)

On XX/XX/XXXX I files a Complaint # XXXX with CFPB against Equifax for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XXXX, XXXX on my personal credit report. Equifax has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to Equifax. Equifax responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.
Consumer complaint received 2021-10-28
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. (WA)

Equifax and XXXX Scheduled payment amount reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX will not allow me to upload the documents online. Equifax and XXXX is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount on my credit report
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (IL)

I applied for XXXX for XXXX position, which required background check where i got shocked by this on my background check my legal name is XXXX XXXX and my marriage name is XXXX XXXX so for my back ground check i submitted my name as XXXX XXXX but in my back ground check please read below it says the applicant provided the below names who is this applicant who used XXXX XXXX as one of my names XXXX XXXX is my daughter and she is XXXX years old and XXXX XXXX is XXXX years old AKA AKA SOURCE XXXX, XXXX Provided by Applicant XXXX, XXXX Provided by Applicant XXXX, XXXX Provided by Applicant attched the back ground check page two that list XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX has ugly records where XXXX XXXX XXXX XXXX years old fresh out of college why missing with her record and identify her as XXXX XXXX please dont let any applicant use XXXX XXXX the sweet kid as if she XXXX XXXX the XXXX years old not sure how this applicant listed XXXX XXXX and XXXX XXXX about my daughter im terrified now that my daughter is listed as she is XXXX XXXX
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I never opened a XXXX XXXX, they say they can not find me and they sold the account to XXXX XXXX -- XXXX XXXX sent me a letter stating they have no information and are closing the account. I have disputed with all XXXX credit bureaus no less than 12 times and can not get removed from my credit report. I have sent a certified letter to XXXX requesting all information pertaining to this account beginning in XXXX 2007 to present, original application with signature, all statements, chargeoffs, authorized user, terms and conditions, collection letters, etc see attached. I have requested them to validate all of the information and they have not been able to validate the account. They have 30 days to do this then they have to delete this information from my credit report. 
They say on my credit report they can not find me, and XXXX states there is no information as well. This has severly lowered my credit score and needs to be deleted and blocked. I have sent them a second letter as well yesterday certified mail also, attached. Thank you.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

They have failed to block accounts resulting from identity theft from my credit report even though I provided my affidavit and police report as well as a letter detailing that my information was stolen and used by another party. In addition, I have paperwork which explicates that another party used my name in a criminal matter therefore I am not responsible for the accounts that do not belong to me. Not only did they fail to block this information, they failed to give me the documentation that proves that these accounts even belong to me. I did receive a letter stating that these accounts were verified as mine and that they are declining my request to block these accounts. To legally verify, Congress states that they must have firsthand knowledge of these accounts and they did NOT! Before I speak with my attorney, I 'm giving a goodwill attempt for the last time to rectify this. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for you to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. # 1 I was a victim of identity theft which means that these items must be removed immediately # 2 you do not have the authorization to report this bankruptcy which is also reporting inaccurately! 

XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately! 
XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately!
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-08-09
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. (FL)

I am upset to see that my credit has been compromised and I am sick of it because I applied for a loan and was denied due to my credit score being so low! I don't know how or get why my identity was used for fraud. I need this to be resolved so that I can buildup my credit.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX Dept Of XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXXXXXX I spoke to XXXX from the XXXX card XXXX office. She confirmed receipt of my complaint from the consumer financial protection Bureau. I explained that in XX/XX/XXXX, I made a payment through the XXXX  app and upon going into the bank the following month I was informed my payment was 30 days late. I explained to my banker at that time that I made the payment. We immediately called XXXX and they explained that they were experiencing issues with the app. I requested the late payment be removed. XXXX refused. Thereafter, I have repeatedly contacted XXXX to remove the reported late payment, unfortunately, to no avail. 
On XXXX XXXX, XXXX explained that XXXX does not have a late payment in their system for my account and advised me to resend the complaint with pictures. I am doing that now in order to fix the inaccurate credit reporting by XXXX in accordance with the Fair Credit Reporting act XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 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 2016-07-26
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliant Capital Management LLC (TX)

I received a call from Alliant Capital stating I owe money on a payday loan to XXXX. I told them they had the wrong party. A second person got on the phone and asked to verify my address in order to have a service processor sent to my home because I belong in jail. I hung up because I felt like I was being bullied.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CO)

Proof is enclosed in the two attachments with this complaint that Experian does not verify information with the creditor and even have any information on file. XXXX has sent yet two more letters requesting information from me and my credit report because they do not have any information on me. Experian has sent back a response previously that they verified the information. It is a Federal Law that the information they put on my credit report is to be verified and not pulled from XXXX 
Experian is in violation of Federal Law and also case law. They are supposed to verify information and if they can not they are to delete the information. I am not going to help XXXX collect data because they have a legal responsibility to report accurate information. They do not have any information on me because the two credit cards that I had with them was over 7 years ago. I want this information and other negative information removed from my file because Experian has NOT been able to verify the information. If this is not done my next recourse is to take Experian to court and maybe I can win a few million dollars as other consumer 's have that were awarded compensation by the courts for Experian 's blatant refusal to remove outdated information and say it was verified. Also, if you share this complaint with others I would like to gather enough consumer 's together for a class-action lawsuit. I am disgusted and fed up with the games and the illegal activities regarding credit reporting!!!!!!!!!!!!! PLEASE SEND THIS COMPLAINT TO THE FTC BECAUSE SOMETHING NEEDS TO BE DONE!!!!!
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am trying to participate in the temporary XXXX XXXX loan forgiveness program which has an open period called a waiver set to expire XX/XX/XXXX. I approached the original loan company regarding this same issue and filed a complaint with CFPB. The loan company transferred my account to Mohela without addressing the issue I have raised. I qualify for an additional 6 months of credit due to work I did in XXXX - XXXX for the XXXX XXXX  of XXXX XXXX. I was only credited for 6 months of work when I worked for 1 year ( commuting XXXX miles a week ). I would like the other 6 months of credit to be reflected toward my public service loan forgiveness program.
Consumer complaint received 2021-01-18
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: AMERICAN EXPRESS COMPANY (CA)

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. AMEX, Inquiry Date XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

I have located an incorrect late payment from XXXX XXXX Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.
Consumer complaint received 2022-10-28
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. (NY)

Equifax sent me results from a dispute I submitted indicating : " THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE '' ( attached Pages 3 & 4 ) however on page 7 of the dispute results the item is not deleted.
Consumer complaint received 2022-09-12
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. (WA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

I disputed a charge for {$250.00} for a merchant that DID NOT provide the services I asked of them. After a back and forth with them and unnecessary stress, I contacted Chime for the dispute. I also provided them proof that my vehicle was NOT fixed and they told me I had to wait til XX/XX/XXXX to maybe get my money back. If I am paying a merchant to provide a service and they do not and give proof to my bank that they did not do said services, why do I have to wait THREE MONTHS to MAYBE get my money back? That makes ZERO sense.
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (IL)

Pnc bank made it after n during a threatening. Encounter n threat. Vs me by staff telling. Me '' XXXX did '' that hed be canceling. My account n that my accountwould be closed with XXXX more. Report vs the bank. With. The. Cfpb. Now tonight im trying to access the account slash make a purchase. N its being declined i demand investigation. Vs pncbank for retaliation. Plus i made civil rights complaints n this is a retaliatory cutting off of my access to my XXXX. Check ssi n other ssa funds by electronical usages based on XXXX resenting. Me making federal governmental. Reports vs a bank thst broke some statutes codes under banking.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MD)

Case number : XXXX - Your response was unacceptable, not to mention asinine! What do you mean not specific enough. Let 's review this again. 
1. ) Experian has a phone number on their website to call they advertise you can get to a live agent ; but, you can not. False advertising - specific enough? 
2. ) XXXX of the security questions from their public record IS WRONG! The make and model of my first car. XXXX ; t you think I would know the answer to that? They have it wrong, whatever it is and it needs to be changed! - Again - specific enough? Now, please refer back to my original escalation ( XXXX number : XXXX ), reopen it and forward to Experian and hold them accountable.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull there credit three times in one month.