davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-06
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. (CA)

I am a XXXX XXXX XXXX military member. 

XXXX XXXX XXXX  PUT AN XXXX XXXX XXXX a third party collection, not an attorney on my credit report without notifying me of anything. This third party agency ( FDCPA ) is reporting false data which is preventing me from obtaining business credit. I had an 11 month lease. I purchased an investment property and notified XXXX XXXX XXXX that I was in escrow and I was not renewing my lease and moving out. The contract amount/rent was {$2100.00} and XXXX XXXX was raising all tenants rents anywhere between {$2200.00} - {$3400.00} due to the renovations they were making. I paid my contracted XX/XX/XXXX -XX/XX/XXXX rent amount to XXXX XXXX XXXX for the month XX/XX/XXXX ( {$2200.00} ), returned the keys and the unit was move-in ready. XXXX XXXX was not able to get a tenant into the unit and tried to bill me for the vacancy - first {$920.00} and a third party put on my credit report that I owed {$3400.00}. I reached out to XXXX XXXX XXXX and their parent company XXXX XXXX for litigation, however, have been given me the run around. 

My security deposit was kept. I told XXXX XXXX XXXX   back in XX/XX/XXXX that I would not be renewing my contract and they tried to pressure me into renewing the lease. I never renewed the lease and told them I would be moving out in XX/XX/XXXX and I did. Another Veteran and I cleaned the unit and it was move in ready. 

No 60-day Notice of Intent to Report to Credit was received by the XXXX XXXX XXXX XXXX XXXX. I was not properly notified. Per U.S.C. 3711 ( e ) ( 1 ) ( C ), I am  entitled to a complete explanation of the debt, to dispute information in the records about the debt, and I am entitled to an administrative repeal and review of the debt. The XXXX XXXX XXXX XXXX XXXX ignored the " Justice/Treasury Federal Claims Collection Standard '' I asked for documentation ( a full copy of the lease agreement, accounting ledger explaining how the claim was calculated ) and have not been provided with the documentation requested. I also have been given the runaround by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and need the proper point of contact to respond to my complaint regarding violations of the FCRA and FDCPA. Their false reporting lowered my credit score and has prevented me from obtaining housing for my family. I also contacted the attorney general for an investigation for consumer fraud against military members and civilians.
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DE)

I elected to resume my payments but was informed by the Department of Ed that my payments would not be counted as direct payments toward XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made 117 qualifying payments. Also, the form lists that I have to make 121 qualifying/direct payments, but the federal requirement is only 120 direct/qualifying payments. The Department of Ed will not correct the determination letter or respond to my dispute regarding the calculation of qualifying payments.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX opened XX/XX/XXXX, and XXXX XXXX opened XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States a consumer reporting agency can not furnish account without my written instruction.

Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information
Consumer complaint received 2022-11-19
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. (OR)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2023 I requested Equifax to remove inquiries from my credit report. On XX/XX/2023, they responded by saying the information is verified. I then sent another letter requesting for the information to be removed from my credit report. In response on XX/XX/2023 they once again stated that the information is verified. 

I did no authorize anyone employed by these companies to make any inquiry and view my credit report. 

Therefore, Equifax is in violation of violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, XXXX, Experian ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-05-13
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. (IL)

I applied for financing with only TWO finance companies. XXXX XXXX as well as XXXX XXXX. When applying i made very clear I ONLY AUTHORIZE THE MENTIONED FINANCE COMPANIES TO RUN MY REPORT. When lookin back there are multiple reported inquiries. I contacted credit bureau and was advised to call dealerships. I called XXXX and was advised they only ran through their private financing ; XXXX XXXX. I also contacted XXXX XXXX who also advised they followed instruction and only ran through XXXX. So i contacted bureau back to advise response and confirm fraudulent inquiries during that time and they state despite me confirming fraud i do not have a right to dispute because i authorized the two mentioned companies to run which is inaccurate and against the Fair Reporting Act as I NEVER AUTHORIZED ANY OTHER INQUIRIES!!
Consumer complaint received 2019-01-05
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. (CA)

I am a victim of identity theft and Transunion provided my information to XXXX XXXX who submitted my social with a false address. I called Transunion to request they remove the credit inquiry since their dispute service online does not allow me to dispute inquiries. They told me to send a letter with several pieces of information. I sent that letter to Transunion on XX/XX/2018 and have not received any communication from them since.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

The company in question : Credit Acceptance E Corp Purchased vehicle : ( XXXX XXXX ) Date : XX/XX/XXXX made on-time payments each month til XX/XX/XXXX. 

During such time, the engine went out in the vehicle. I voluntarily returned the car ; via being towed after an assessment was determined the vehicle would need an engine replacement. Upon returning the vehicle, the dealership returns {$3500.00} cash back to me in good faith. Unfortunately, the dealership is no longer in business, yet Credit Acceptance E Corp did receive the vehicle back and was able to make additional monies off the vehicle. In regards to my credit report, the reporting of this particular issue continues to disappear and reappear, also payments and the amount owed changes as well. I would like this account completely removed from my credit report until Credit Acceptance E Corp answers and replies in making this matter correct. I never refused to return the vehicle and I was told by the dealership that this would not be considered a repossession.
Consumer complaint received 2021-06-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (MI)

XXXX XXXX continue to call me when I filed bankruptcy and relinquished all my responsibility for the vehicle to my ex-husband, they refuse to listen and yell about getting the vehicle.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

Experian agent would do nothing.  I have multiple accounts in "good standing" and "pays as agreed" but $XXXX balance and still showing "payments monthly" ie $XXXX  balance and $XXXX due monthly .  This is wrong.  The creditor looks at this and sees $XXXX   on each account of 10 accounts with $XXXX balance and thinks I owe $XXXX  monthly!  This doesn't make sense per comparing to XXXX and XXXX showing $XXXX balance $XXXX payment monthly.  This date XX/XX/2019 I called Experian and was put on hold and left hanging after agent  said she would not change or dispute to correct.
Consumer complaint received 2019-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (SC)

Company continues to call government work phone even after being notified that personal calls can not be taken and to stop calling. Most recent calls are XX/XX/2019 at XXXX, XXXX, XXXX.
Consumer complaint received 2023-06-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (WI)

I am reaching out today about my student loan servicer ( Edfinancial Services ) and student loans in general. I have been in the IBR-plan for XXXX loans ( XXXX XXXX ) since XXXX ( but paying since XXXX ), but my balance keeps rising exponentially because of the high interest rate ( 6.5 % ). My loans have been in covid forbearance for the last three years ( 0 % interest ) and I have managed to save up some money during this time to apply to my balance, which will make a small dent on {$260000.00} ( reducing my loan by 25 % ) but will drain all the savings my family will have for emergency or necessary spending. If loans stayed at zero to low interest I could have hope to pay it off. However, I found out today that student loans will be re-entering repayment WITH NO REFORM on the high interest rates for XXXX loans. I already have {$50000.00} in interest ( because of the poorly structured IBR-plan ) and I am internally panicking as I will be re-entering a life of indentured servitude. These loan companies need to be held accountable for this. I have reached a breaking point and have found the courage to complain to say " enough is enough ''. I am not asking for forgiveness on an education that I use every day, but asking for a fair chance. I had hope that within the last two years that something would change, but it is becoming apparent that I need to voice my opinion because it looks like there will be no reform. Thank you for listening.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I XXXX XXXX, received information from PayPal Credit XXXX Synchrony Bank XXXX stating owe XXXX i contact them and told them I didn't owe the amount, please send me a invoice or a statement where I sign for the amount they did a Fraud investigation, and send me a letter that said. ( You authorized, participated in, or benefited from the purchase ) that's not was i requested. On XXXX XXXX i received statement from the credit bureau. With the purchase in my name. I keep telling them that's Fraud. Please remove my name. Thank you, XXXX XXXX
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

On approximately Saturday, XX/XX/XXXX I reviewed my XXXX credit report. Upon reviewing examining the file in further detail I noticed that an old credit card account from " Citicards CBNA '' was still reporting as a " current account '' despite being closed nearly three years ago. On my credit report, under " Payment History '', XXXX XXXX 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with XXXX on approximately Sunday, XX/XX/XXXX. XXXX responded saying that they verified the account status as accurate based on information provided by the creditor ( despite my credit report from the other two reporting bureaus showing this account as closed ). I am therefore submitting this complaint against Citibank since they have submitted inaccurate information regarding my closed credit card account to XXXX XXXX. I have attached a copy of my XXXX XXXX credit report for documentation.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 Citi bank illegally closed my account without my consent and by unfair and deceptive business practices. 

They state the account fell negative however as you can see in my letters that it only feel negative because of unfair and illegal business practices. Because of fraud within the bank and their employees theirselves for double charging meaning charging the merchants named in dispute, then charging clients to obtain an illegal balance debt and then closing the accounts that feel negative due to that and then sending those closed accounts they put in escrow illegally to collections. I notified the bank and as soon as I did they changed their story numerous times. I have the video recording from employees and supervisors I have EVERY piece of document on dispute ever number of the accounts negative balance as it changed 5 times before closing with different balances that NO one at the bank could confirm where those numbers came from. 

This is illegal and it is fraud. Then after stealing your money from you, they say you can not receive the funds for up to 90 days by check. 


When you go rob a bank are you committing a crime? 

Even though you give the bank the money back do you still get charged for the theft? 

Ok then same thing in this case. It should be treated just as EQUAL because that is EXACTLY what this is. Fraud within the bank and theft. 

Unfair and deceptive and illegal business practices
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

A balance was carried over from XXXX XXXX to BarclaysJetBlue when XXXX XXXX ended the program with JetBlue. Below is the XX/XX/XXXX-XX/XX/XXXX payment history from the BarclaysJetBlue account. For two years, I have been consistently making early payments 2x the requested minimum without making purchases yet Barclays continues to charge interest on multi-cycle billing. I do not use the card, am trying to bring down the balance but the interest is the same month over month. I am asking for your intervention as is my right under the CARD Act of 2009, the Fair Credit Billing Act & Fair Credit Reporting Act. Recently, I sent a second payment in XX/XX/XXXX to be applied to XXXX billing and payment was not reflected. The Barclays billing and interest practice is creating a hardship and making it difficult for me to ever pay off this credit card account and negatively affecting my credit score.. 
XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$100.00}
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. THE XXXX  XXXX BANKRUPTCY # XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

XXXX XXXX ( XXXX ), opened cell phone acct with XXXX in XX/XX/2013. 
I had little to no service with their cell phone for two months, I believe. I called several times and complained of bad service, finally talked to a supervisor that agreed to cancel contract. After cancelling I recieved another bill and refused to pay it and then they added on late charges.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

From my experience, Experian is no good credit bureau agency. They keeps changing the dates of old debts, doesn't investigate correctly. I keep disputing and nothing changes. I am requesting that XXXX  deleted XXXX XXXX XXXX account, XXXX XXXX XXXX account, XXXX XXXX XXXX account of my credit report.