davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXXXXXX 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 2024-10-08
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: Experian Information Solutions Inc. (CO)

I received notice from XXXX, XXXX, and Experian that XXXX XXXX had pulled a hard inquiry on my credit report. I called XXXX XXXX and spoke with XXXX. She confirmed that an application for a XXXX XXXX was in their system. They marked the application as fraud. XXXX committed to alerting the XXXX credit report bureaus. I contacted all XXXX  credit reporting agencies and had my accounts frozen.
Consumer complaint received 2019-02-06
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: CITIBANK, N.A. (SC)

Citi Bank is reporting an inquiry on my credit report. I did not approve of them putting this on my credit report. This is unfair. 

An inquiry should only happen for the following reasons : 1.Insurance ( they are not an insurance company ) 2. Court Order ( we are not nor have we been involved in court proceedings ) 3. Employment ( I have never applied for employment ) 4. Firm offer of Credit ( they have never given me a firm offer of credit )
Consumer complaint received 2019-02-06
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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (LA)

I was living at an apartment complex with my now ex-wife her mother offered her a house and she decided to move I couldnt afford the apartment by myself so I was forced to move with her Unfortunately that lead to breaking of the lease I was a XXXX XXXX XXXX only new job and simply couldnt afford the apartment by myself so of course it went to collections With the balance Of {$3000.00} although it was a joint debt with my wife being Senior signer on the lease the company refuses to let me make monthly payments all the attempts have failed and they want the entire balance I dont have that balance at one time please help
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (IN)

My complaint is with the First National Bank of Omaha, XXXX XXXX XXXX XXXX Nebraska XXXX. I have a credit card issued by First National for which I paid the full statement balance for the statement ending XXXX XXXX 2018 prior to the due date of XXXX XXXX 2018. Interest in the amount of {$15.00} was applied to the statement ending XXXX XXXX 2018. After looking at the statement ending XXXX XXXX 2018, I called First National on four separate occasions to clarify the interest charge and request that it be removed. I requested for a letter from First National with an explanation ( including calculations of the balance amount, days of interest and interest rate ) showing how the interest charge of {$15.00} was determined. I have not received such a letter, just a generic users agreement. During one of the calls to First National, I was informed a " Tail End Interest Policy '' allowed them to apply the interest to the statement ending XXXX XXXX 2018. The " Tail End Interest Policy '' is essentially applying interest over two statement periods. If XXXX XXXX is permitted to apply interest over two statement periods, their credit card customers should be able to pay their statements ( without penalty ) once every two months! Even if I agreed to the terms of the " Tail End Interest Policy '' in the user agreement without realizing it, the interest charge of {$15.00} was applied for a unpaid balance of {$28.00} on the statement ending XXXX XXXX 2018!
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

There is a company named Cach LLC attempting to collect an alleged debt in the amount of {$870.00} for XXXX XXXX XXXX XXXX XXXX. This debt is a result of fraud and I do not owe this debt.
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Commonwealth Financial Systems, Inc. (ME)

The debt collection company, Commonwealth Financial Systems,  has managed to dupe XXXX  and XXXX  into posting a very old collection amount ( opened XXXX, XXXX -- {$1000.00} ) as if it was just opened. For the last 3 years ive lived in XXXX  and they are NOW showing the account as " opened in XXXX of XXXX ''. This account was started in XXXX. I would have had to have been in XXXX for such an account to be valid. It's already bad enough that consumers have to be treated as deliquent on debts that, if paid by an insurance company or medicaid, would have been discharged at 5 or 10 percent of the actual bill. Think of the money we lose while trying to build credit, because we are stuck with the option of credit cards and loans with huge percentage rates directly related to open accounts of little or no substanence. There is also a second similar account of {$340.00}, for which they did the exact same thing.
Consumer complaint received 2019-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MI)

In early XX/XX/XXXX, I co-signed for a Parent Plus Student Loan ( XXXX XXXX ) I was told by the financial aide at the school that this was the only way to ensure my daughter would be able to continue her education. I had given the school {$10000.00} upon her enrollment. The 1st loan ( {$7300.00} ) was completed over the phone ( XX/XX/XXXX ), I was told it was recorded for verification. I agreed to pay interest only on that loan. To date Ive paid approximately {$3400.00}. During this same period my daughter was given an unsubscribed loan from XXXX  ( {$5400.00} ), even though I was told she could not qualify for this. The next Parent Plus Loan was on XX/XX/XXXX ( {$12000.00} ). I was never notified, called or was aware that this took place until XX/XX/XXXX. The discovery was brought to my attention upon graduation. I went to the school and met with Dean of Students, Financial Director and Student Advisor. Together we went over my daughters ledger. That loan was supposedly authorized by me and I allegedly agreed to defer interest. That never occurred. During this same period she was given another personal XXXX Loan ( {$3000.00} ). The 3rd Parent Plus Loan was on XX/XX/XXXX for {$2900.00}. I was called an again agreed on phone to interest only on a recorded line. To date Ive paid {$1000.00}. This loan is not anywhere on her ledger sheet, Ive repeatedly asked for XXXX XXXX to investigate all inconsistencies stated above. I was told this was my problem and to go to school to straighten this out unfortunately the school is closed. 
During this same time XXXX gave my daughter another unsubscribe loan for {$3700.00}. XXXX XXXX has threatened me to charge my daughter with fraud, and for me to call the police dept. Ive asked them to put the matter on hold until I could try to gather information. They have ignored my requests and reported my late payments to Credit Bureau. This is unfair and not necessary. Once I began my research Ive discovered that the XXXX XXXX of Michigan and XXXX XXXX have numerous law suits for these practices. Ive retained legal representation for these matters. We have not filed any actions as yet. I was also told by the school that their XXXX XXXX loans were competitively priced. # 1 is at 9.75 % # 2 is at 11.00 % # 3 is at 9.25 %, far from competitive. Ive attached a recent letter I sent to XXXX XXXX via registered mail.
Consumer complaint received 2021-08-26
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Consumer complaint received 2019-02-06
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (FL)

I took out 4 student loans while attending the XXXX  XXXX XXXX between XXXX. These loans were originally service through XXXX XXXX XXXX. I took out 2 loans XX/XX/XXXX and XX/XX/XXXX in which I defaulted on both. As of XX/XX/XXXX those two loans were no longer serviced through XXXX and when then sent to Transworld system. I was contacted by Transworld system around this time regarding my loans and was told that they were a debt collection company who would be now collecting payments for my loans. They stated that my loans were through XXXX XXXX XXXX and that it was important that I paid to avoid being sued. They also stated that interest would still be collected on my loan even though they were in collections. I stated to them that if they are in collections then there shouldn't be any interest and I was told by the representative that even though the private loans are in collection they are still subject to collect interest. I said okay and agreed to a XXXX  monthly payment. When unable to make these payments I was threatened to be sued and taken to court. After looking at my loans carefully I see that my original lender was XXXX XXXX XXXX on my 2 loans that XXXX XXXX XXXX had. I realized that XXXX XXXX XXXX bought my loans from XXXX XXXX XXXX. I also see that XXXX XXXX XXXX has made headlines regarding falsifying documents and taking people to court with not the proper documentation. I also see that they have to pay back XXXX XXXX dollars and that they have to go through 800,000 student loan files and make sure that they have the proper documentation. I'm one of those students who would like to make sure that they have the correct documentation on me and that they were not collecting payments from me after the statute of limitations. Because I have been subject to their harassment of being sued and taken to court and this can be proven because when ever they would call in the representative would state that the call was being recorded. I would like proof that my loans originated from XXXX XXXX XXXX and were not bought. Because I have proof that they originated from XXXX XXXX XXXX. I also want proof that they collected debt from me within the statue of limitations for Michigan because at the time that is where I was living. I would also like proof from the pre-recorded calls that I was threatened to be sued for any nonpayments and breaking my agreement. I will also like to know why I'm now paying money to XXXX XXXX XXXX another debt collection company that has threatened to sue me once on behalf of XXXX XXXX XXXX. After seeing how XXXX XXXX XXXX has made headlines again I have now decided to seek legal counseling regarding what I have gone through with this company. I want what is right for me and I know that XXXX XXXX XXXX has violated many laws against me as well as others
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (MN)

I attended XXXX College in XXXX XXXX, MO and they closed down voiding my earned certification and training and career placement program. 

XXXX College XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX several times about this and told them about the school closing and informed them about the closure and loan forgiveness plus refund of all tuition paid. 

XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX Both XXXX College and XXXX XXXX XXXX XXXX  XXXX are not responding to resolve this and are still collecting again my wages on this student loan which is basically worthless with all benefits of the program discontinued. 

Please assist me in stopping the collection of this student loan immediately and removing it from my credit reports! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Equifax failed to protect my critical personal and financial information during the their data breach. I was not notified directly by the company in a timely manner. 

I had a freeze on all 3 agencies due to previous breaches by medical payment centers. I can easily lift a freeze temporarily or permanently with XXXX  and XXXX. 

Since their breach Equifax is demanding copies of information to confirm my identity. This is information they should have to reestablish without asking me to help them rebuild my account and possibly compromise personal information in the process. My financial life became totally on hold when I tried to lift the freeze to apply for a mortgage today, XX/XX/2020. 

Consumers have NO CONTROL over the credit reporting agencies, but they have control over what they collect. It is really frightening to realize I NOW have to have a credit freeze to protect myself from Equifax!!
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NC)

Multiple accounts have been created with my name, social, date of birth. Citibank and Citibank BestBuy are the latest of the accounts that were successfully obtained. Also, a checking account with XXXX XXXX XXXXXXXX was fully established, which has since been shut down. An account was created with XXXX & XXXX, XXXX XXXX XXXX and others with my identity. I wonder if the breach occurred when we obtained a home loan last XXXX ( 2021 ) because the entire application with XXXX & XXXX was done electronically ( DUE TO COVID ). The site was supposed to be secure. I have spent {$250.00} to get XXXX XXXX, and an obscene amount of time with each fraudulent activity to shut it down. Our system is BROKEN!!
Consumer complaint received 2020-03-24
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. (SC)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of  my credit report. The items outlined in my dispute do not belong to me and is a result of fraud that I did not authorize. Im bothered by the fact your company sent me an updated letter stating you verified these inaccurate fraudulent accounts.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate. From my research on the FTC web site, you cant parrot information from the collection agencies, but you must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (MN)

At XXXX XXXX  I received both a text message & an email from SoFi stating that for my protection all deposits, withdrawals, transfers, and debit card purchases are currently restricted and to contact their fraud team at XXXX. It further states in the email that if you leave a voice message before XXXXXXXX XXXX XXXX a member of their team will return your call within XXXX XXXX. 

I called at XXXX XXXX  and left a voicemail, and again at XXXX XXXX. I still have not received a call back from them and my funds are still frozen.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect Reporting Due to Closed Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX