davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-01
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. (CA)

Equifax misused of credit file. Disputing accounts that I did not request. Making faults statements on my credit file. 
Tried to communicate with the supervisor XXXX and The CEO XXXX. No response from either one of them regarding the misused of my credit file. 
XXXX XXXX XXXX card Equifax had went behind my back to dispute and Good Credit on file that had been PAID OFF years ago. XXXX XXXX XXXX card. Last reported from creditor XX/XX/XXXX Pays As Agreed. The account been CLOSED as of XX/XX/XXXX and last payment to the creditor XX/XX/XXXX. Credit in good standing. I do not know why Equifax decided to dispute the account behind my back on XX/XX/XXXX and took out PAID. I had been communicating with a dispute specialists by email. XXXX XXXX. She did not remove the dispute remark and put PAID back on the account. Instead she put another dispute on the account XX/XX/XXXX left out PAID. Then on XX/XX/XXXX the remark Went back to Account closed at consumer request and added Consumer dispute after resolution. and put Transfer/Sold and left out PAID. Because of the disputes that I did not request. My credit is damage because of it. 
XXXX XXXX The last reported date from creditor was on XX/XX/XXXX over 2 years ago. The creditor had sold the debt to a debt buyer who had lost authority to report anything to the account. 
Equifax had went behind my back to dispute XXXX XXXX just to modify the account on XX/XX/XXXX. and again on XX/XX/XXXX. I had file a dispute on the account that started XX/XX/XXXX regarding unauthrized dispute on XX/XX/XXXX. .Tried to communicate with Equifax XXXX The account again was in dispute on XX/XX/XXXX and again on XX/XX/XXXX to prolong the XX/XX/XXXX dispute that I request regarding the unauthrized dispute on XX/XX/XXXX. My credit is damage. 
. 
XXXX XXXX XXXX. 
I had tried and tried to dispute XXXX for braking into my credit file when a security freeze been attached to file as of XX/XX/XXXX. Every dispute been ignored. Equifax doesn't care if the collection account is in the wrong spot in the file and wrong information. 
I had tried again to file a dispute that was enter on XX/XX/XXXX and I believe it ended XX/XX/XXXX. There was a dispute on the account as of XX/XX/XXXX that I did not requested. Tried communicate with Equifax again about the account. Another dispute was enter on XX/XX/XXXX and on XX/XX/XXXX It stopped after that. 
Very unprofessional employees at Equifax.
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

I contacted SCA Collection regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. SCA Collection sent me letters dated XX/XX/2018. The letter states the original creditor was XXXX XXXX with a balance of {$28.00}. They did not send any of the information requested such as the contract from original creditor bearing my signature. The information they provided has an address attached - where I never resided. 

My second attempt at contacting SCA Collection was on XX/XX/2018 ( certified mail ) Again, I requested debt validation. They never responded.

( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting SCA Collection was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. I have yet to receive a response. 

I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.
Consumer complaint received 2022-07-21
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. (AL)

Hi I am submitting this 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. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX negative credit items outstanding debt now. 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-21
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: Kikoff Inc. (FL)

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. Kikoff Lending LLC, Account # XXXX, has violated my rights. 

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 2019-01-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on my report.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has reported unknown and unauthorized enquirers on my report those are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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)

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2019-01-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

I originally applied for a home equity line of credit with PNC. They told me it would be fixed for the first five years then variable. It was variable from the minute I signed. I told them the loan officer mislead me on the loan and they said I can change it to fixed for a {$100.00} fee. I told them I shouldn't have to pay this fee and they agreed but charged me anyway. I fixed the loan and then decided to take out a new loan to pay off the original loan. I had to go to closing three times before the loan wen through due to problems with their loan administrators and underwriters. After I got the loan, I received the first bill 3 days before it was due. I called to complain and they said they would put through the payment over the phone without a fee. The woman attempted to process the payment but it was the wrong amount. I told her it was wrong and she said she would fix it and I would get an email. I never got the correction email. I called them 2 days later, 1 day before the payment was due, to fix the problem. The nasty manager told me I would still have been responsible for a late fee even though PNC 's customer service agent put through the wrong amount. I asked them to check it. They said they couldn't find the payment at all. Then he asked to process a new payment. I have not received a confirmation yet. This bank is horrible. Their customer service agents do not have adequate training on consumer regulations. Their loan administrators have violated Regulation Z due to not sending me my bill on time and not processing my paperwork in a timely manner. Their loan administration process needs to be enhanced to ensure their employees follow the regulations and process everything timely and give customers the correct information. They also need to send billing statements in a timely manner. Please look into the mortgage servicing practice of this horrible bank.
Consumer complaint received 2022-10-24
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. (PA)

Experian has failed to remove the account ( XXXX XXXX XXXX number XXXX {$410.00} ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On Monday, XX/XX/2019, I opened a checking account online with Chase Bank. On the same day, I made a mobile deposit to that account for a check in the amount of {$2000.00}. The check was written out to me by my credit union. After making the deposit, Chase Bank informed me that the check would be held pending for 9 days. Two days later on Wednesday, XX/XX/2019 I tried logging into my account but it was locked, so I called the number indicated to inquire about the account. Upon calling, the Chase Bank representative informed me that my account had been closed. I asked why it had been closed, and she refused to tell me why. On Thursday, XX/XX/2019, I went to my local Chase branch in XXXX XXXX, AZ to inquire about the situation. The representative I spoke with told me there was nothing he could do and gave me a number to call ( XXXX ) and told me to ask to speak with a supervisor. On that same day, I called that number and spoke with a supervisor. When I asked the supervisor why my account had been closed, she declined to tell me why. I then asked her when I would get my {$2000.00} check returned. She informed me that Chase Bank would mail it to me as a check within 7-10 business days. My credit union, who issued this check, informed me on Friday, XX/XX/2019 that the check had cleared, contrary to the original 9-day pending status as stated by Chase. Chase is now in possession of that {$2000.00} check deposit, and I have absolutely no access to it, and no explanation for why the account was closed.
Consumer complaint received 2021-11-05
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)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ;
Consumer complaint received 2018-09-01
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. (NY)

I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. 

At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. 

Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. 

I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. 

I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation.
Consumer complaint received 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

We apply for and received assistance from Louisiana Homeowner Assistance Fund. Or application has been showing the same status for 30 days waiting on information from Applicant lender which is Well Fargo. When we call Wells Fargo all we get is the transfer from one department to another then a disconnect Wells Fargo Account Number XXXX Wells Fargo is acting as if this program does not exist and when I talk to them on the phone Im transfered to different departments and the disconnected
Consumer complaint received 2018-09-01
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 (FL)

I went to Wells Fargo to open a joint checking account on XX/XX/XXXX. I was turned down by there XXXX because Wells Fargo was reporting that I had a charged off credit card with them and owed them money. The banker contacted the credit department and the recovery department both showed I paid off the account in XXXX. When you review my credit report it also shows that I paid off the credit card in XXXX. After over an hour on the phone, the banker was unable to resolve the issue and said they would need to refer it to an escalation team. 

This seems to be a new error that has popped up because I was able to open a new checking account with Wells Fargo back in XXXX which would have been after the supposed nonpayment on this credit card.
Consumer complaint received 2018-09-01
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. (MA)

All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. Redit   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been Kate on a payment and my score keeps dropping
Consumer complaint received 2022-07-21
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/22 Someone applied for a credit card with XXXX XXXX in my name. I called XXXX XXXX and XXXX informed them it was not me. XXXX put a Fraud alert on my account and XXXX XXXX sent me the credit card. I called them back on XX/XX/22 they verified that this card was canceled. 

XX/XX/22 JPMCB Inquiry for a credit card. Again not me. Called Chase and XXXX once again informed them this was not me.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

Kings credit service, is damaging my credit file. They claim I owe an alleged debt. Ive requested that they provide me with a contract between Myself and the company. I would like a audit trail in connection with this alleged account that I didnt authorize to open. I filed a complaint with the XXXX  and the companies response was some statements and invoices from some company, as well as supposed " notes '' of telephone conversations. Once again if that was them calling me, that was invasion of my privacy because I didn't give them permission to cause my phone to ring. The " communication '' they have in there notes is not related to location informtion. It is in connection with this alleged debt. They are posting on my consumer file negatively, causing harm to my reputation.
Consumer complaint received 2022-08-23
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. (TX)

I recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed XXXX removed the account but XXXX and Experian has continued to state its accurate. Under the fcra guidelines, once one bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX  # XXXX *XXXX  XXXX  # XXXX In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC 2. states I have the right to privacy 15 U.S.C 1681 SEC 604A sec 2. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have disputed an account on my report from the XXXX XXXX XXXX. XXXX   has remove this account from my report. I have requested this account be removed because I have never had a " loan '' with this company or had a " charge off '' with the XXXX XXXX XXXX. I have requested a Section ( 609 ) of the Fair Credit Reporting Act investigation and the credit bureau has NOT met the requirements of my requestion. Please sanction Equifax and XXXX  for NOT responding to my dispute request in accordance with Section ( 609 ) of the Fair Credit Reporting Act. 

My SSN is XXXX and my DOB is XX/XX/1963.
Consumer complaint received 2022-08-23
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. (TX)

I recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed Transunion removed the account but XXXX and XXXX has continued to state its accurate. Under the fcra guidelines, once one bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX  # XXXX *XXXX  XXXX  # XXXX In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC 2. states I have the right to privacy 15 U.S.C 1681 SEC 604A sec 2. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623