davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$1400.00} XXXX XXXX {$590.00} XXXX XXXX {$9500.00} USDEPTED XXXX {$3500.00}
Consumer complaint received 2020-10-23
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: Conn's, Inc. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2020-10-23
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates were XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

The sad fact and opinion by experience is Americans like ourselves are being held XXXX by basically corrupt people who believe themselves the good and decent, honorable patriot and some even believers as do they who work for them and execute this fraud comfortably without a care or concern. They allow misinformation and fraud to permeate their reporting system and to boot untimely! That produces lower credit scores and financial abuse. Does all that matter- NO! This will be closed got that closed immediately waiting for these agencies to report or correct and all the while taking their sweet time. Negatives posted immediately! Here is The company has responded that it is still working on your issue. 

We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 their own confirmation-
Consumer complaint received 2020-10-23
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. (TX)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge :XX/XX/XXXX XXXX XX/XX/XXXX/XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXPlease remove these FRAUDULENT inquiries.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MS)

In accordance with the fair credit reporting act, ( Self Financial/Lead Bank Account XXXX XXXX ), has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: DOLLAR MUTUAL BANCORP (OH)

My bank charged a XXXX nsf fee on XX/XX/22 and returned a payment when it clearly showed there was enough money to cover the XXXX payment and when I opened the account approximately 5 years ago I was told that deposits to the account go through before debits and there was a deposit and a credit so there still wasnt a reason to charge me the fee I have screen shots showing that I was not negative to being with it wasnt until they charged their fee that it went negative. I havent talked to customer service because they tell me to go to the branch manager and he treats me and talks to me like Im garbage very poor customer service we had an account with them over 20 years ago and due to job loss we had to file bankruptcy and that account at the time was negative like XXXX due to fees and was included in the bankruptcy we had to fight to get the account we have now we were told we could not have an account unless we paid the money but we new that they could not collect on something that was XXXX through bankruptcy I feel like our account is flagged so they can collect their money
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

My county taxes were due by XX/XX/XXXX. My mortgage servicer, LoanCare, took money out of my escrow account to pay my county taxes of {$2100.00} on XX/XX/XXXX. XXXX XXXX County ( Virginia ) never received payment for my tax bill. I was then assessed the following fees/interest : Late Payment Penalty : {$200.00} Interest : {$19.00} This resulted in a new tax bill of {$2300.00}. 
I was on vacation from XXXX, so my first attempt to rectify the situation was XX/XX/XXXX, when I received a delinquency notice from my county. I called LoanCare on XX/XX/XXXX. I called my county on XX/XX/XXXX, and then responded back to LoanCare the same day. As of XX/XX/XXXX, I have contacted XXXX the following dates and still seen no attempt at replacing the money in my escrow account, attempting re-payment, or reimbursing me for the money withdrawn from my escrow account that never made it to my county : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I have called the collection agency several times informing that they are reporting the wrong amount. My credit originated with XXXX XXXX XXXX   they have charged off account with XXXX however, LVNV is fraudulent reporting XXXX I have Dispute this charge with XXXX XXXX, XXXX, XXXX and they concluded an investigation and updated my files with the same XXXX disputed. LVNV is conducting an investigation of there own however no update has been posted,
Consumer complaint received 2019-08-29
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. (NY)

XXXX XXXX # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.
Consumer complaint received 2024-08-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I reviewed my credit report and there is serval fraudulent items on my credit report XXXXXXXX XXXX account number XXXX {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00} XXXX XXXX XXXX XXXXXXXX {$2900.00} XXXX XXXXXXXX XXXX - {$6100.00} I have filed a police report XXXX XXXX XXXXXXXX Date : XX/XX/year> at XXXX EDT To : XXXX Subject : Police2Citizen - Incident Submission Number XXXX XXXX XXXX XXXX - Request for additional information XXXX XXXX XXXXXXXX Incident Submission Number : XXXX XXXX XXXX XXXX XXXX XXXX Police Department has reviewed the incident report you submitted on XX/XX/year> and requested additional information Requested Information I strongly suggest that you include the account information in the incident description including the date the account was opened, the name of the creditor, the account number if you have it, and the outstanding balance. 


Please click this link to view and update your submitted incident report. 
ftc with these fraudulent items on my credit report
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OH)

I have a Citi Double Rewards card. I used it at a XXXX XXXX XXXX. I had XXXX rewards points removed from my rewards account automatically without authorizing or accepting the " offer. '' When I called the Citi XXXX rewards program, I was told it is an opt-out process for each transaction. They were willing to offer a XXXX time credit for the most recent deduction I noticed, but were unable/unwilling to " unlink '' the XXXX  offer from my account. I was also told that the XXXX program can not be separated and I can not opt-out of this or similar offers. I was told to consider using another credit card at XXXX, XXXX, or XXXX gas stations, as well as XXXX as they all have similar practices. 

The issue is that the XXXX program automatically gives less value other programs. XXXX gives a cash value of XXXX points  per dollar, as compared to XXXX points per XXXX dollar for other conversion options. 

I am complaining because the practice is deceptive as it requires specific action to prevent the action, and the conversion rate is not disclosed, making it impossible to understand that the conversion is actually removing value and essentially " ripping off '' users.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FC HoldCo LLC (MO)

I received a hard credit pull on my credit report by the company Flagship Credit Acceptance. I never gave my consent for this to happen. I tried to call the company, but could not get through to them over the phone. When calling, they do not give an option to speak to a representative without providing an account number, which I do not have with that company.
Consumer complaint received 2020-10-23
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. (NH)

Hello, Hope someone can hear my cries and help me with this "  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00}. 
I've called XXXX  and TransUnion asking them to remove this XXXX  they refused. I tried to contact XXXX  and asked how can I resolve this? They want me to pay for something I have no knowledge of. I lived in Florida for a few years I found out Florida is very high and # 1 when it comes to stealing other people Social security number. I had to put a freeze on my credit at one time I now removed the freez. 

Thank you, XXXX XXXX you!
Consumer complaint received 2020-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (VA)

A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge.
Consumer complaint received 2019-01-08
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: CORELOGIC INC (NY)

I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.
Consumer complaint received 2020-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

For the past couple of weeks, XXXX XXXX has been texting and calling me and my family from different phone numbers about this alleged debt that was never validated. I was never given notice of the alleged debt nor given the opportunity to dispute this information. When I requested for the statements to be mailed to me, they demanded that I must pay over the phone first. They also said that they will not stop contacting me and my family until I pay them. I told them several times that they are in violation of the Fair Debt Collection Practices Act by harassing me and my family with incessant texts and calls. After informing them, they became hostile and said that they will not stop calling once I pay. Just today alone ( XX/XX/20 ), I received these communications : - XX/XX/20 at XXXX PT : Received text from XXXX to call XXXX about issue reference # XXXX - XX/XX/20 at XXXX PT : Received call from XXXX demanding payment for unvalidated debt - XX/XX/20 at XXXX PT : Received call from XXXX demanding payment for unvalidated debt I was emailed this validation letter, but it's missing these key statements as outlined in the Fair Debt Collection Practices Act : - A statement that unless the consumer, within thirty days after receipt of the notice, disputes the  validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; - A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and - A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2020-10-23
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. (FL)

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

1. XXXX XXXX XXXX XXXX XXXX Account # XXXX BAL {$12000.00}
Consumer complaint received 2024-11-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (CT)

My complaints about Mohela : 1. Mohela misled me on their hardship programs. I am unemployed. Did not expect to be unemployed for as long as I have been. I had a promising interview and thought I would only be missing one payment so I signed up for their Skip a Pay. They made it clear that I could only do Skip a Pay once. When I asked the rep, can I call back the following month should I not get the job for other hardship options, he said yes. So when the job fell through I called for my other options. At that point I was told by the rep that I was now on a " cooling off period '' with them and that I was not eligible for any type of hardship programs with them. I didn't believe her, so I called back the following week, thinking the rep was just not wanting to do her job or spend the time on the call. When I called the following week, I was told the same thing. So now, I am close to going into default. My parents did lend me money in XXXX to pay Mohela but the entire payment went to accrued interest, which leads to my next complaint. 

2. I signed up with Mohela in XX/XX/XXXX, I consolidated $ XXXX worth of student loans. As of XX/XX/XXXX, I have paid them a total of $ XXXX. As of XX/XX/XXXX my principal amount owed was {$100000.00} which means Mohela pocketed around $ XXXX of my money for themselves and only applied $ XXXX towards my principal. This is criminal, my loan does not end until XXXX, that means I still have 13 years left to pay which totals to $ XXXX, and when you add that to the XXXX I have already paid them, I will have paid them roughly around $ XXXX!!! How is this legal????? This doesn't include what I have paid in the past to XXXX XXXX, XXXX XXXX, XXXX, before I consolidated my loans. Then to add insult to injury, the second institution I went to, went belly up. I had still owed them money and was paying them not knowing they were going belly up and when I finished paying them I never got my diploma because they no longer existed. 

I have not been able to properly build a savings because of these loans and when I did the numbers when I submitted my complaint to Studentaid, I was disgusted. $ XXXX of my money was paid to Mohela and they kept $ XXXX. No wonder I felt like this was never ending, because they made it this way. It's bad enough that to get an education is ridiculously expensive ; then the government allows these institutions to rob us and then tell me I have to go back to the same people to resolve an issue they don't want to resolve. Seriously?? 

Had I not become unemployed I would have never encountered this situation. I would have continued paying my loan not realizing I was being robbed. 

Is there someone that can help me? I feel that I have paid my loans off and should not owe anything to anyone anymore.
Consumer complaint received 2020-10-23
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. (NH)

Hello, Hope someone can hear my cries and help me with this " XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00}. 
I've called Experian and XXXX  asking them to remove this XXXX  they refused. I tried to contact XXXX  and asked how can I resolve this? They want me to pay for something I have no knowledge of. I lived in Florida for a few years I found out Florida is very high and # 1 when it comes to stealing other people Social security number. I had to put a freeze on my credit at one time I now removed the freez. 

Thank you, XXXX Bless you!
Consumer complaint received 2020-10-23
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. (MO)

My identity has been compromised and misused by unauthorized individuals. Im demanding an investigation and immediate removal of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX   XXXX 4 ) XXXX XXXX XXXX 5 ) US Department Education 6 ) XXXX   XXXX  7 XXXX XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX XXXX XXXX   10 ) US Department Education 11 ) US Department Education