davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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.

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 inructions 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 XXXX 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 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MN)

American Express sent a mailer offering to upgrade the XXXX American Express credit card that I have had since XXXX. In XXXX of XXXX, I called American Express and updated the card. A few days later, the new XXXX XXXX card arrived. I have had my payments set up on automatic payments each month. In XXXX they notified me that my payment was not made. I called American Express and made a payment. At no time did they say it was XXXX accounts. They applied both payments to the XXXX card in XXXX. In XXXX I called again because I had another letter. At this time they told me I was in default for the XXXX account. I explained what had happened and paid the gold card payment and a {$1000.00} payment on the XXXX card to get the payments up on the reserve card at their request. A week later they told me that both cards were suspended and sent me a letter saying I had to pay both accounts in full to be reactivated after telling me that the {$1000.00} payment would bring my accounts up to date. 

Today, I spoke to someone who explained everything I am a senior and was not told it was XXXX accounts until XXXX. I was put on a payment plan for XXXX accounts but was told that non-payment on XXXX account impacts all accounts but not payments. As a senior on a fixed income who relies on my good credit standing American Express misled me to open up a second account and has damaged my good credit ratings. I need urgent assistance.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I originally had a recurring monthly charge ( charged in advance of services provided ) by XXXX XXXX to my Discover Card, for which the amount increased without explanation. I could not find a customer service phone number to inquire about the increase. I called Discover Card and they provided me with an XXXX number for the merchant. When I called that XXXX phone number I was placed on hold for XXXX hour and XXXX minutes without anyone coming on the line or even an update on wait status ; I finally gave up and hung up. I called Discover card back on XX/XX/2023 to tell them that I could not reasonably reach a representative to find out about the increase and to cancel my account. I said I wanted to cancel my account since I could not resolve the issued. The Discover Card Rep ( XXXX in XXXX ) asked if I wanted a stop payment on future charges by the merchant and I said yes ( middle of the call ), and she also indicated they would submit a dispute to the merchant for the previous charge ( end of call ). Seven days later ( XX/XX/XXXX ), another charge ( {$79.00} ) was made by XXXX, with another increase in the amount. Discover Card declined my disputes with the merchant, even after I submitted evidence of my efforts to talk to a customer service representative at XXXX, without response. 

As a result, I ended up closing my account with Discover Card to prevent future charges, after 35 years of being their customer. I paid the final payment of my balance, including the initially disputed charge by XXXX, but did not pay the following charge for {$79.00} because of Discover Card 's failure to stop the XX/XX/XXXX charge of {$79.00} as I had said I wanted done on the call with the Discover Card Representative on XX/XX/XXXX. 

I called Discover Card today and they still refuse to reverse/charge back the {$79.00} charge and the interest charge ( even though the amount is in dispute ). I asked them to listen to the recording of the call from XX/XX/XXXX but they just transferred me to XXXX different people instead and gave excuses why they are not responsible for their failure to properly prevent via stop payment ( or charge back to the merchant ) the XX/XX/XXXX charge.
Consumer complaint received 2023-09-30
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. (CA)

Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to XXXX, XXXX, and Experian in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to XXXX, Experian, and XXXX, as well as, to the different servicers of my federal loans such as XXXX XXXX, XXXX, and XXXX. To date, the DEPT of ED, XXXX, XXXX, XXXX XXXX, Experian, XXXX, and XXXX STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS.

DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/al
l reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Ac
t.

DEPT of ED, XXXX, XXXX, XXXX XXXX, Experian, XXXX, and XXXX continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. 
DEPT of ED, XXXX, XXXX, XXXX XXXX, Experian, XXXX, and XXXX failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.
Consumer complaint received 2022-06-27
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THESE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSION IDENTITY AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED AND WILL SUE FOR REPORTING INCORRECT INFORMATION, YALL HAVE NO LONGER THEN A MONTH TO FIX THIS PROBLEM AND CLEAR MY REPORT FOR THESE ERRORS!!
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX XXXX : Personal Loan ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a 1099-C Form. This dispute centers around an account for which I have received a 1099-C Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as XXXX XXXX despite the debt discharge. 

Account Information : Company : XXXX XXXX XXXX Account Holder Name : XXXX XXXX Account Number : Personal Loan ACCOUNT NUMBER XXXX Date of 1099-C Form : XX/XX/2023 The issuance of the 1099-C Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the XXXX balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the 1099-C Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the 1099-C Form.

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the XXXX debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account. 

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NH)

I have been making monthly payments on my ten student loans serviced by Navient. My payment is {$370.00} a month dispersed to all ten loans. I specifically send an extra payment of {$300.00} to loan number ten which has the highest interest but lowest balance. I'm doing the " snowball '' debt pay off. 
In XX/XX/XXXX I decided to take a course toward my XXXX  's through XXXX XXXX   XXXX  University. I did not take a loan for this course or request any change in my current loan agreement with Navient. My employer offers tuition assistance. 
In XX/XX/XXXX I noticed that I did not receive a monthly statement from Navient for my monthly payment. I went online to check my account. I noticed all my loans were put into forbearance without my permission. They also put my parent 's Plus Loans into forbearance. 
I called Navient to reverse their action all while continuing to pay my monthly payment and extra payment to loan ten. 
Navient 's explanation was a bogus excuse. In my opinon, Navient should not have the ability to change the status of my loan payment without my permission or request. I never requested that my loans be put into forbearance. 
My recent statement dated for XX/XX/XXXX has me confused and angry. Not only did I never stop making payment to Navient at any time over the past three years, but they somehow charged me compounded interest for the time that they placed my loans into forbearance. I have called them to have the interest removed. I asked for an explanation. They blamed XXXX XXXX XXXX   University for placing my loans into forbearance. I was also told that the {$61.00} OF CAPITALIZED interest will not be removed. Navient is corrupt. I am also writing to the New Hampshire Attorney General. I have done my research. Navient is being sued for unlawful practice in many states. If Navient is allowed to do this type of bait and switch practice to someone like myself who has always paid my loans on time and has even paid extra every month, I can only imagine what they are doing to others. This needs to stop! Please do something about Navient.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Oklahoma Student Loan Authority (TX)

I am XXXX XXXX XXXX XXXX that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on XXXX or XXXX. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to dispute the inclusion of Delinquent Child Support Payments. According to the recent notice from your XXXX, XXXX XXXX rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 

I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries as they are being reported as missed payments although it is actually back pay from when we did not have a proper order in place. This has adversely effected my credit report and should not be included as it was not authorized or agreed upon to be included into my consumer report and it is also not deemed a credit transaction and therefor void of being included. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX XXXX XXXX XXXX from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2.

This is also a violation of tax code and multiple state laws in which Transunion, XXXX and XXXX are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania Financial Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-30
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: Experian Information Solutions Inc. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-30
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. (CT)

Here is a draft formal complaint to the CFPB requesting FTC involvement against XXXX XXXXXXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear to whom it may concern, I am writing to formally complain about unlawful practices by XXXX XXXX and request immediate investigation and action from the CFPB and FTC. 

I filed an identity theft report with the FTC detailing fraudulent activity on my XXXX XXXX credit card account. Despite having notice of this activity, XXXX XXXX continued illegal collection efforts for the fraudulent charges and refused to remove the associated tradeline from my credit report. 

I am going to file a civil lawsuit against XXXX XXXX outlining violations of 18 U.S.C. 3571, 153, 372, 1001, 1005, 1962, 648, 712 and 15 U.S.C. 1681d, 1681n. See attached Supreme Court of Connecticut Docket No. XXXX. XXXX XXXX was invoiced for {$10000.00} in damages but has failed to cease unlawful conduct. See attached invoice and affidavit of truth. 

XXXX XXXX is knowingly violating fair credit and debt collection laws. I request the CFPB immediately open an investigation into XXXX XXXX regarding this complaint. I also request the FTC join the investigation and enforce the identity theft report I previously submitted. XXXX XXXX must be held accountable for its blatant disregard of consumer protection laws. The company continues harming my credit and financial position. 

Please contact me immediately to discuss this urgent matter. XXXX XXXX must face consequences for its predatory practices. I look forward to the CFPB and FTC taking swift action on this complaint. 

Thank you for your attention to this serious issue. 

Regards, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX XXXX XXXX RIGHTS RESERVED Without recourse
Consumer complaint received 2019-04-02
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. (NY)

Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling XXXX countless times as well as the credit card companies themselves and they just don't seem to get it.

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized.

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On Transunion It Is Saying I applied for XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On XXXX It Is Saying I applied For XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have noticed that XXXX, XXXX, and XXXX are reporting accounts, inquiries along with addresses that are not accurate fraudulent and being reported without my permission. According to the FCRA Tranunion, XXXX, and XXXX need my written permission to furnish anything on my consumer report, which they do not have. I did not give consent to any person to obtain my non public personal information. The reporting of these accounts and information are violating my right to privacy and defaming my character, which is hindering me from obtain credit. I demand that these companies cease and desist all fraudulent and inaccurate reporting immediately.
Consumer complaint received 2023-09-30
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)

I checked my credit report with XXXX, XXXX and Equifax and noticed they are reporting inaccurate information such as dates, amounts and accounts being opened/closed. I sent a letter in XX/XX/2023 requesting them to verify/update this information and it was not done. I sent a second letter in XX/XX/2023 requesting the removal of this inaccurate information and it was not done. I don't know where to go from here as they are not trying to help fix and correct the issue.
Consumer complaint received 2020-01-20
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. (PA)

My Identity was stolen and fraudulent accounts were opened in my name with my social security number. Because of the fraudulent information on my account Equifax and XXXX  will not verify my identity and won't provide me a solution to how I can access my credit report to dispute the fraud.