davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct these incorrect information kept getting ignored and I had enough. This has affected all aspects of my life XXXX ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low XXXX XXXX due to these errors.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

Judgment satisfied Equifax only C R B not removing from derogatory remarks so why pay judgment if not going to remove bad marks against you should n't of paid I see lots of people same problem with EQUIFAX this should be stopped! Paid, should not stay on report for seven years! how are people having hard time but still repaying suppose to get back on there feet Defeats the whole purpose!
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's XXXX XXXX me out.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GMA Investments, LLC (SC)

I have received several calls from a XXXX XXXX at Summit Receivables ( I had to research and find what company ). This person /company has told my employer, my children, my parents, my spouse everything about my debt including the fact that they were going to send someone after me. My employer now knows way too much about this and she is somewhat intimidated and frightened. This is so scary. They are bullying me and threatening me and that is not okay. They left a voicemail on my little boy 's phone with everything and he is now scared I will be arrested. This is illegal and outrageous. I may owe a debt but that is no reason to involve and bully so many people.
Consumer complaint received 2016-07-07
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA (GA)

I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and does not have much sleep because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR, this is aiding and abetting fraud on the Consumer who is a natural person. 
This Debt Collector has violated have harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this this DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.
Consumer complaint received 2016-04-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

Company keeps calling and harassing me even though I have made arrangements for my 1 month late payment. They also are leaving voicemail 's on my family 's house phone stating that " XXXX needs to call them back ASAP regarding a very serious debt ''. This company is now calling me and hanging up on me repeatedly throughout the day disturbing me.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-03
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. (CA)

This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AZ)

i overdrafted my account seberl times now chase has restricted my acount wont give me my direct deposit which is almost XXXX dollars and its going on a month now. they took their money and keep telling me that the system will close it but drawing intrest on it.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (PA)

Negative mark for late payment of 30 days fr Ford Credit. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker inXX/XX/XXXXdid not show this delinquency. I had a 36 month auto loan with Ford Credit ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX van we obtained sometime inXX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that Ford Credit was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of Ford Credit, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (NY)

I canceld my card ending XXXX back in XX/XX/XXXX because I lost it I knew I would be recieving another direct deposit shortly and would need a new card as soon as possible. So i paid the {$25.00} to have my new card expidited. I received new card X/XX/2017. I have been receiving my normal deposit up until XX/XX/XXXX when I was not able to take XXXX dollars out of my account. I found out the next morning when I was able to get a rep on the line that my old card was charged {$1000.00} My account went negative {$720.00} I was told to file a dispute and this would all be taken care of within a day or so because it was clearly a XXXX up on their end. However I 'm still waiting on my money they have taking 2 checks from me my phone just got cut off today I 'm a single mom of XXXX kids who father passed away 2 years ago. We have been struggling for a week as a result of this and the only thing netspend has done was make broken promises and tell me that they understand
Consumer complaint received 2017-07-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (TX)

My husband forwarded this complaint XX/XX/XXXX, and we have n't heard a word from anyone. I am unable to work, and my husband is a XXXX veteran unable to help me get out of debt with a school loan for our son through AES. He owes over {$70000.00}, and I owe over {$12000.00}. I am also responsible to pay restitution for XXXX charges in XX/XX/XXXX. I served time for the offense, but the courts say I still owe {$200000.00} to the insurance company. With my husband on XXXX, and I am unable to work because of XXXX XXXX, XXXX XXXX injury, and recently XXXX XXXX ; we are struggling to make ends meet. I feel I served my time for a bogus XXXX charge, but we were over matched and a lawyer who basically sold her down the river. The charges stemmed from, what they call, misuse of credit cards. The cards were issued to me when we moved to XXXX Texas to help offset my commute 200 miles a day to work. This was in XX/XX/XXXX, and they terminated me XX/XX/XXXX. The executive who issued me the cards quit and started up his own oil company in Colorado, but we had no way to find him. I think I also took the fall for others taking money from the company. I know of 1 woman who took {$60000.00}, but she quit before they could actually prove anything, or they just wrote it off. This was only 1 person they had suspicions of, there were others. With my health, I do n't know what we can do. We just do n't have a way out ; do you have any suggestions? Thank you for your time and consideration, XXXX XXXX XXXX
Consumer complaint received 2017-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

In XX/XX/XXXX I consolidated all my student loans with the Department of Education including loans with XXXX  XXXX/XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating that, " Your obligation to repay the loan ( s ) satisfied. '' It further states, " Any inquires concerning consolidation loan ( s ) should be directed to the US Department of Education. '' Nine month later in XX/XX/XXXX, I started to receive bills again from XXXX XXXX. I have spent the last 10 trying to figure out what has happened. My account bounces from collection agency to collection agency and I try to explain what has happened and show them the paper work saying my loans were consolidated. They either ignore the evidence or they disappear and a few months later I get another letter from a different collection agency. I have filled out appeal after appeal and they have all been ignored. My tax return has been taken for approximately the last eight years. Again, I file appeals and they get ignored. Recently, I received two different letters from two different collection agencies dated XX/XX/XXXX and XX/XX/XXXX, both trying to collect this loan. Even if I did owe the money, at this point, I would n't even know who to deal with when multiple companies are trying to collect. I am a single mother and a XXXX. My income is very low and I ca n't afford to hire a lawyer and do n't know where to go to file a complaint or get answers. All the collection agencies that I have dealt with do n't care about what I have to say regarding any consolidation. They just know what they got from XXXX XXXX/XXXX XXXX and just want to collect. If I try to contact XXXX XXXX/XXXX XXXX they wo n't talk to me about it. They always refer me to the collection agencies. I am at loss as to what to do. I still have my loan with the Department of Education and it is currently in good standing and in a forbearance. I do n't know who to turn to and I 'm tired of being threatened with wage garnishments. Please help.
Consumer complaint received 2017-07-03
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. (CA)

I have sent  XXXX ,   XXXX   and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.
Consumer complaint received 2016-02-02
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONS TRUST MORTGAGE CORPORATION (TN)

A loan ( line of credit ) was received from Nations Trust Mortgage Company XX/XX/XXXX in the amount of {$73000.00} as a refinance for a home. XX/XX/XXXX, the home was sold and Nations Trust Mortgage Company was paid off. However, we were charged a early termination fee of {$3600.00} that was not in the original agreement. I believe we were charged a fee that we should not have paid.
Consumer complaint received 2024-11-21
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. (AZ)

These fraudulent, inaccurate, and false information consists of XXXX personal accounts, An Apartment named XXXX XXXX XXXX XXXXXXXX collected by XXXX XXXX # XXXX. And an application for rent at XXXX XXXX  XXXX collected by XXXX # XXXX. And another account at XXXX on XXXX -XXXX  acct # XXXX. These accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All these accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints on all accounts mentioned and as proof from the US Federal Trade Commission that all the consumer credit accounts, collections, are the result of identity theft and fraud.
Consumer complaint received 2017-07-02
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. (AZ)

Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX and XXXX  sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three  bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file
Consumer complaint received 2017-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

Paypal refuses to fix their security algorithm that keeps flagging my account every time I make a payment. I literally need to call them every single time I need to make a payment through them and basically ask if it 's ok. They are not my bank and all of them have no idea why PayPal is doing this to me. I have proven my identity every time I have called to the point I have no more information to send them. They literally took every drop of personal info I had and still was n't enough. They are acting in control of my own money when they have no legal right to. I have to call them 20 times in one day to do business on XXXX. Every single online transaction needs their approval. Why. Who do you guys think you are. It is literally costing me money to deal with you guys because your own failure as a company.
Consumer complaint received 2017-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (SC)

I, like many other servicemembers, applied for the Barclay Mastercard goldcard under the assumption that all fees would be waived and 0 % interest as long as I remain on XXXX XXXX. When I applied for the card and was approved around XX/XX/XXXX, I was promised by multiple customer service reps that I did in fact qualify for 0 % interest and ALL fees would be waived. I then recieved a letter stating that they would no longer waive the annual fee and that I would be billed {$990.00} in XX/XX/XXXX. I have attempted to work out a solution with Barclay. They wo n't even allow me to downgrade the card because the account is new. I would n't have applied at all if I knew they would change their policy without grandfathering previous cardholders.
Consumer complaint received 2017-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (IL)

I just received notice from ERC on X/X/17 in regards to an alleged debt owed of {$1100.00} to XXXX. Please produce validation. This would be the 3rd time that I 've requested validation of this debt of which XXXX continues to violate FCRA regulations.