davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (TX)

On XX/XX/XXXX Experian illegally initiated a dispute without the written consent of me, the consumer, as well as lack of supporting information that the agency, originally asked for. I have reason to believe the agency, fraudulently obtained and sold this information without revealing the entities they sourced and sold this information to and from. Providing credit reports to unauthorized third parties, is a violation of Title VII of the Civil Rights Act of 1964. Reporting inaccurate information on a consumer 's credit report, which can harm the consumer 's credit standing and limit their ability to obtain credit, housing, or employment is an addition to this set of violations. Furthermore they furnished a credit report with false information without proper reinvestigation or my WRITTEN consent. Under the Fair Credit Reporting Act ( FCRA ), starting a dispute without written consent from a consumer would violate section 611 ( a ) ( 2 ) which states : '' No person shall furnish any information relating to a consumer to any consumer reporting agency if such person knows or consciously avoids knowing that the information is inaccurate. " Additionally, section 611 ( f ) requires that a consumer reporting agency may not provide consumer reports to third parties unless it has reasonable procedures in place to ensure the maximum possible accuracy of the information in the consumer report, including procedures to verify the accuracy of information furnished by third parties. In addition, they are in violation of Section 611 ( a ) ( 1 ), which requires credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of consumer credit information ; Section 611 ( b ), which requires credit bureaus to provide consumers with the specific reasons for any adverse action taken as a result of information contained in a consumer 's credit report ; and Section 616, which requires credit bureaus to delete information from a consumer 's credit report that is found to be inaccurate. These actions have caused me, denied loan and credit applications, higher interest rates and unfavorable loan terms, decreased credit score, increased difficulty in repairing credit, emotional distress, and time and money spent correcting errors.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I have a Citi Prestige and I love my card. I travel frequently ( or used to travel before covid ) and my Citi Prestige is my trustworthy companion. Now, since I've had nothing but great service with Citi, I've been wanting to open a Citi Double Cash for the longest time. I remember when I opened my Citi Prestige I received a $ XXXX XXXX credit line, and I called to lower it to {$10000.00} since I didn't need that much. By the way, I've never been late on any payments, and my balance is zero. I checked my credit score provided by Citi from XXXX  and it is XXXX. I checked my XXXX XXXX from XXXX  today also and it is XXXX. I have a good paying job and always pay my bills on time. I applied in XXXX of XXXX for the Citi Double Cash and was denied. I didn't understand why, but thought maybe it was because I needed to expand my relationship with Citi. I applied again on XX/XX/XXXX and got denied. I called the number provided in the email, and a very nice gentleman explained me they just couldn't approve me, but offered no further information. Now, I'm not upset and I will continue my relationship with Citi because I trust them. However, it would be nice if somebody could look into it for me and realize I'm a good, loyal customer and see if I can either be reconsidered, or at the very least told what they're looking for in a customer who applies to a Citi Double Cash. This way I can set myself on a path to meet whatever requirements are needed.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (PA)

XX/XX/2019 recieved approval for a car loan amount from my bank, XXXX XXXX. 
XX/XX/2019 went to XXXX XXXX of XXXX PA to negotiate for the car I had chosen. I informed my saleswoman that my bank preapproved me for {$10000.00} ( XXXX XXXX XXXX ) for a purchase. 
WITHOUT MY PERMISSION the saleswoman cal

led 3 lenders and received approval from one. I purchased the car because ( approximately ) 2 weeks prior my car was totaled ( my car was parked with no one insid e ) and my wife, XXXX children and I needed a vehicle at that time. A week later, my bank paid off the loan and still hold the title. I would like the 3 inquiries removed from my credit report. I DID NOT PRE APPROVE THE INQUIRIES BY THE DEALERSHIP OR LOAN COMPANIES.
Consumer complaint received 2023-02-23
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. ()

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 


Equifax Account US Department of Education XXXX XXXX XXXX XXXX, TX XXXX acct * XXXX XXXX Department of Education XXXX XXXX XXXX XXXX, TX XXXX acct * XXXX XXXX U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Genpact Limited (OK)

XXXX XXXX has sent an unbelievable amount of mail. I don't want to get into the amounts as I'm not sure from what they have sent if they are legitimate. 

I have sent them a CFPB Debt Validation letter. That was on XX/XX/2022. It looks like part of what they are trying to collect is for my XXXX. My husband has the entire hospital report and is going through it. Someone who knows what department would contact him about the matter to answer any questions, but after about a month, he hasn't heard from anyone. When he calls, well it's being worked on. There are other issues too. My husband ( XXXX ), they'll know his name, also has a couple with this company. Both of them were final demands for {$25.00}. I guess for a Copay maybe? You know, that you pay before you see the Dr ? They mainly use XXXX XXXX numbers. However, I've done some research. 

They utilize several addresses and a mess off XXXX 's. They are ultimately owned by Genpact, who is a multinational, mainly XXXX XXXXXXXX XXXX They do have a specialty in XXXX  driven collections. Just throwing that out there.
Consumer complaint received 2020-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Paid for a equifax membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported prior to XX/XX/2020 to equifax. Information has not been updated by equifax timely, and equifax has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA. Investigation has took longer than 30 days on multiple instances with no resolution.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (CT)

This is my 8th 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2020-05-28
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. (TX)

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XX/XX/XXXXXXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor
Consumer complaint received 2023-02-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (CA)

I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went 30 and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the XXXX  and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.
Consumer complaint received 2023-02-23
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: Maximus Federal Services, Inc. (FL)

In Accordance with the Fair Credit Reporting Act the following information has violated my rights. 

All of the account information that needs to be deleted/Corrected is listed below! 

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

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED! 


PERSONAL STATEMENTS : DELETE THIS TOO! 
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX Total balance : {$680.00} XXXX XXXX XXXX Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original XXXX {$2200.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXXXXXX U S DEPT OF EDXXXXXXXX XXXX XXXX  Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

My husband and I keep our credit reports frozen unless needed. We are exploring getting a new home and called XXXX  and XXXX  to get our credit UNFROZEN. We got customer service people on the phone and had no problem. However, with Experian we can't even get a human on the phone at all. We found the web site and my husband managed to get his unfrozen online. Mine, however, would not work even using the pin number that had been mailed to me when we initially froze the accounts in 2017. I tried using the pin, not using the pin ( answering the security questions ) and it would not unfreeze. It said I had to MAIL it. We don't have time for that! Our credit union is checking the reports within the hour. Federal law says we should be able to unfreeze our credit within the hour but Experian is offering no phone service to solve this problem
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (FL)

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

Account # XXXX and Account # XXXX are showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2023. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices. 

What I am demanding right now is that you guys delete both Account # XXXX and Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (NJ)

This account was transferred from XXXX/Yahama to Yamaha Motor Finance Corp but I have yet to receive a bill and how to pay. Now during this pandemic, my score dropped almost 60 points because they are reporting me late but I was not given a chance to pay since they sold my account to another servicer.
Consumer complaint received 2023-02-23
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (TN)

Equifax and XXXX  are incorrectly reporting a collection/charge-off account where I am shown as an Authorized User on XXXX XXXX   - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: GreenSky, LLC (OH)

Below is what I sent to the company by email on XX/XX/2020 and also by certified mail on XX/XX/2020. 

" I called and requested a payoff amount for my account on XX/XX/2020. I was provided the figure of {$20000.00} to pay my balance in full. I then went to my bank and got a cashiers check made in the amount of {$20000.00} and mailed it to you. You cashed the check on XX/XX/2020. I recieved a bill this month for {$180.00} my account should be paid in full and closed. I called and asked for the payoff and then promptly sent you the check for that amount. Please rescind these charges and close my account '' They have not addressed the issue and continue to bill me and charge more interest.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-05-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NY)

Navient is claiming they do not have to follow the CARES act on certain loans and are refusing to allow extended forbearance in the middle of a global pandemic. Someone needs to hold these student loan companies accountable. They are attempting to collect on student debt with interest in the middle of this pandemic with millions unemployed. They leave people like me, who lost my job due to Covid in an impossible situation of not being able to pay my loans and ruining my credit because of it.