davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I was making payments each month for past 7, that included few dollars each month overpayment. There was no Covid relief anything like it. I am still learning what this company is as when I signed for those loans I was young, did not know better nor I had excessive knowledge about loans coming from another country. Anyway, payments were made, and I do not recall making any targeted payments except first, with that said it was automatic, but the money was applied, to make 6 out of 5 loans short. The total past due showed up few cents on each loan which is ridiculous, but it can trigger late payments on all, negative report to credit companies and loan being in default and basically ruin my life. 

When contacted AES did not offer much of explanation except breaking down payment applied, but did not answer which payment was it, for which month. AES just offered for the payment to be reapplied to cover the past due. I asked again, no explanation was offered and with that I know I did not do payment incorrectly, because if I did that would cause issues earlier. On top of that if I am paying it off, the payments technically should be lower than previous and I was overpaying too. I believe the payment was applied whatever way AES wanted to make a past due amount, and then charge late payments and XXXX me up. For time being AES stated that past due has no negative consequences like they are doing me a favor. I think something shady is going on. I set my payments for few month manually thinking it would be easier and if I did not look, I would be in trouble. I don't know what this company is doing, but I sure would like to find out as I am not the only one experiencing this with AES.
Consumer complaint received 2022-06-15
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX have violated my rights. 

15 U.S.C 1681section 602 A. States i have rights 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 2023-04-08
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. (FL)

My identity was stolen and these fraudulent account were opened in my name. 
I have reported the identity theft and attched the filing documnets to this complaint. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: Glacier Bancorp Inc. (CO)

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXXXXXX Glacier bank - XX/XX/XXXX XXXX via XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Consumer complaint received 2021-04-05
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. (FL)

Good evening Someone use My Person Information With out my Authorization for the Amount of XXXX Which I took the Initiative to Pay. I do Have the Receipt that this fraudulent Accounts was Paid in Full. 
This Account Should not be on my credit.
Consumer complaint received 2022-12-14
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. (NV)

In accordance with the Fair Credit Reporting act. The List of inquiries 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 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-31
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. (FL)

Unauthorized inquiries on my credit report. I am a victim of identity theft. Inquiries were added on my report without proper verification. Credit was frozen to prevent further inquiries. 

XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX, XXXX
Consumer complaint received 2022-07-29
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. (VA)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE SERVI Date of inquiry XX/XX/XXXX ; XXXX XXXX XXXX of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; EQUIFAX MORT Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX ran a credit report without my permission, in fact, I specifically told them I was " shopping for best rates/terms '' and to " not run my credit '' - I said this by phone and also emailed. The reply acknowledged that my credit would not be run. 
It is now on my credit report with Experian ( not sure if with XXXX  and XXXX- but will be checking ). 
Experian Rep and website said I need to dispute this directly with XXXX. 
I called XXXX and they told me that I need to dispute it with Experian. 
So, I am getting the runaround. 
Additional info is that XXXX was negligent in reporting to Experian that I closed my credit card with them last XX/XX/XXXX. So, this card was still noted as " Open '' on my credit report. 
I was able to dispute this online with Experian, however, also addressed this in my call to XXXX XXXX XXXX XXXX this morning. They confirmed that my credit was closed last XX/XX/XXXX, however, could not confirm that they reported this change to the Credit Bureaus. 
I need help to get this credit inquiry removed from my credit report. As it stands it will be there another year and a half if not dealt with.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, someone took XXXX from BOFA checking account. My debit and phone are with me. I didn't get any text or email alert. Transaction description is as shown below. 

XXXX XXXX XXXX : TRANSFER ID : XXXX INDN : XXXX XXXXXXXX XXXX ID : XXXX XXXX XXXX I don't know who that person is. 

Bofa created a claim and transfer my money to a new Checking account, froze the previous Checking account. 

Shockingly they stole XXXX more from old checking account even though there's XXXX balance in it.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

I had been receiving quite a few calls from someone coming up on my caller ID as " Sunrise Collections '' and I did not know who this was, so I answered the call. Someone on the other end of the call asked me to verify who I was. I didn't want to do this until I knew what the call was about since I had no idea who was calling and about what since I had never heard of them or from them. I wish I had caught the reps name from the call, but the call was made to me from XXXX on XX/XX/2021 at exactly XXXX XX/XX/XXXX eastern time. I was informed at that time of a bill owed to XXXX XXXX XXXX who the rep wanted me to take responsibility for. I informed her that I had no idea what bill or account she was talking about, I had nothing in writing and I requested that she send something to me, validating the debt as I had received nothing about this and this was the first time I was hearing about it. This person tried tricking me over the phone into getting me to admit ownership of a debt I have no documentation of and continued to be rude and on the border of harassing. I requested that she send me written documentation and I'd follow up after I had that. Since that time, I've been receiving at least 2 calls per day from this collection agency and still, no validation of the debt or anything else in writing. Because of this occurring, at the time of the call, this collection agency had made no entry on my credit report ( as I had said -- I had never heard of them before in any way ). I have since applied for a mortgage and they have entered a collection on all 3 of my credit reports significantly affecting my ability to obtain an approval.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FORD MOTOR CREDIT CO. (CA)

I was FORD MOTOR CREDIT COMPANY customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2019 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CO)

I have been trying to close a Best Buy credit card provided by Citigroup for almost three years without success. I have had a XXXX balance for almost three years and I am still receiving balance statements and the acccount continues to remain active. I have received FIVE balance statements in just this XXXX alone. I have contacted Citi DOZENS of times begging them to provide written proof my account is closed, as well as requesting to stop receiving balance statements but I receive more each month. This has been ongoing for almost three years. They will not stop sending me balance statements for a closed account. 


( XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-12-26
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: TD BANK US HOLDING COMPANY (NH)

XXXX XXXX XXXX, XXXX. filled suit claiming I owed the debt being reported as charged off and collection on my credit report. On XX/XX/2018 a Superior Court ruled in Summary Judgement on the merits that XXXX XXXX XXXX was not legally authorized to collect this debt and also ruled in my favor for motion to dismiss for lack of standing ( XXXX XXXX XXXX, XXXX. did not show they had a legal right to bring this action ). Case has been dismissed with Prejudice, without objection from the Plaintiff ( XXXX XXXX  XXXX, XXXX. ) see attachment of court ruling. I submitted the court ruling to the CRA 's disputing the tradeline with a copy of the court order. XXXX XXXX XXXX, XXXX. responded to the dispute indicating that the information was being reported accurately refusing to delete the tradeline. XXXX XXXX XXXX is listing this charge off and collection as the " original creditor '' and by continued reporting of this information after the Summary Judgement order is a FCRA violation and state consumer laws violations. XXXX XXXX XXXX is also in contempt of a court order as the judge has determined in ruling for Summary Judgement that I do not owe this debt to XXXX XXXX XXXX and therefore the item must be deleted immediately or they will face legal action.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I checked my credit report today and this company was listed on my credit file stating that I owed them a balance for XXXX XXXX. I dont owe this company anything because I dont have a contract with them or XXXX XXXX and XXXX never received any notification from this company pertaining to a balance or amount owed. 
I have reached out to XXXX to submit a formal identity theft complaint and report because I never received service from XXXX I have been with XXXX for over XXXX years. 
The account also has a status of open how can a collection account be open? On my credit report
Consumer complaint received 2022-03-31
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. (MS)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX XXXX, XX/XX/2022 & XX/XX/2022 listed late payment
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/2018 my Chase Credit Card ending in XXXX had 8 different fraudulent charges. I called Chase on XX/XX/2018 when I discovered the charges on my statement. Chase removed the charges at that time and did their own fraud investigation. I didn't hear anything back from Chase until XX/XX/XXXX when I received a letter saying that they thought 2 of the fraudulent charges to XXXX in the amounts of {$290.00} each were a benefit to me. The confusing thing to me was that I didn't see these charges coming back to my card. It wasn't until I received my XXXX statement that I saw that Chase had added the 2 {$290.00} charges from XX/XX/XXXX back onto my XXXX statement. I called XXXX again on XX/XX/XXXX to ask them what was going on and they told me the same thing that they told me when I first called them on XX/XX/XXXX and that was that they knew the {$290.00} charges were fraud when it first happened and they had already issued a charge back to my credit card. So at this point Chase has received a refund but I have not received a refund from Chase. I called Chase Fraud department on XX/XX/XXXX and told them what had happened. Chase said that they would look into it and get back to me within 5 days. After 10 days of not hearing back from them I called them again on XX/XX/XXXX. The Chase rep ( XXXX ) told me that the fraud department hadn't done anything and they needed more time. It has now been another 12 days and I have not heard back from them. It is my belief that they are not planning on doing anything further to help me. I have proof that these {$290.00} charges to XXXX are fraudulent and I told 2 Chase reps that all they had to do was call XXXX like I did and they would be told that it was Fraud and that Chase had already been issued a charge back. I would like the charge back to actually come back to me instead of just going to Chase Company profits at my expense. I would also like to be reimbursed for the 8 hours of time I have spent on the phone and on hold with Chase dealing with this. I have attached an email from XXXX stating that these charges are fraud along with copies of the invoices for the fraudulent purchases.
Consumer complaint received 2022-11-30
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. (OH)

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 Account name : XXXX Bank Account Number : XXXX Card number : XXXX 15 U.S.C 1681 Section 602 A. States i have right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Terrill Outsourcing Group (PA)

XXXX XXXX was paid in XX/XX/2011 through a XXXX debt consolidation company located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX settled during a 3 way phone call between myself, the debt consolidation agency and a XXXX   representative for hald of the {$1400.00} owed. Since that time, there have been 2 different debt collection agencies, who have tried to collect on this. Most recently XXXX XXXX XXXX , XXXX tried to collect via XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX-XXXX. I am tired of being contacted, every few years, by some random collection agency attempting to collect on a debt that XXXX accepted a settlement to pay off.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.