davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (CA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX  XXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5400.00} This is my follow-up complaint to ensure the removal of the aforementioned accounts
Consumer complaint received 2023-10-24
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. (AZ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. Code 1681e : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report 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 FURNICH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-10-24
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. (MS)

I Have reached out to all 3 credit bureaus and they given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account Name and Account Number XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (GA)

There are three public records that range from XXXX to XXXX the Company Lexus nexus is providing for a credit reporting agency. The company says that they contacted me about the situation and they have not. They are saying they got with XXXX Bankruptcy Court on the issue and they did not, the court said they are not responsible for the the information on my report and if there is an issue, the issue should be addressed through court with a motion if the public records are disputed as in accurate. My letter from them states they provided no information to be reported by credit agencies and lexis nexus is saying they did. So I ask that Lexis nexis validate the information they are providing to the reporting agencies and send me the information the court actually provided for them instead of looking at public records as they want be corrected until a motion is filed, per the letter attached.
Consumer complaint received 2023-03-20
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. (NJ)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (KS)

Midland Credit Management keeps calling me asking for and looking for a relative that does not live at my address or share my number. I have told them several times that the individual does not live here and this is not there number and now they use robocalls to call me repeatedly starting in the morning. I have told them to stop calling and they will not stop calling
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2023 my credit score with Experian decreased XXXX points from XXXX to XXXX, when I called and was able to speak with a representative on XX/XX/2023, he said that the company ( Experian ) could not give me the specific reason, only possible reasons, none of which applies to me. I have nothing negative on my credit report that should have caused my score to decrease. Are these credit reporting agencies allowed to do whatever with no control from anyone?
Consumer complaint received 2023-10-23
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. (VA)

Equifax put me in a hard place during its data breach. I have spent hours trying to make sure my report was frozen and it seems it didn't work as there are accounts on my report I do not recognize that were open recently in last few years. For there data breach I see where the CFPB reached a settlement with Equifax but I have got nothing from nobody. Just the cost out of my own pocket trying to clean up Equifax 's mistake.
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (NJ)

I received an email XX/XX/2022 from XXXX which is a company that I had a XXXX XXXX XXXX XXXX  with. The email stated the following correspondence : Saying goodbye is never easy XXXX, You are the reason we built XXXX. Youre the reason we created XXXX XXXX XXXX. All companies change shape and grow at some point. Our time has come and we are saying farewell to our beloved XXXX XXXX XXXX plan to focus our efforts on other products that will help people in greater ways. 


On XX/XX/XXXX, our trusted partner, XXXX, will be taking over for the duration of your loan. You will make payments and manage your account from their website. Aside from XXXX now being the servicer, nothing else about your loan is changing, and all terms will be the same. Continue to make payments on your scheduled due dates. If youre using AutoPay, it will continue to work as usual. Youll be able to download all of your loan documents and statements from the XXXX website. 
1. So my payments which were on auto pay began to come out of my account with the new company as of XX/XX/2022. However, the new company has not reported any of my bi-weekly payments to any of the credit bureaus. And when I tried to file a dispute with all three agencies regarding this matter I was given an message that stated I am unable to dispute the information.

2. Also the company is listing on my credit report that my monthly payments are {$270.00} which is inaccurate. I pay {$120.00} bi-weekly and there are only 4 weeks in a month that comes out to {$250.00} per month not {$270.00} as being reported by the credit reporting agencies. Which you can see from the documentation provided. And the same message was received when I tried to dispute that inaccuracy as well.
Consumer complaint received 2023-10-24
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. (TX)

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. 

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-10-24
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: Carvana Group, LLC (VA)

The following accounts were not authorized to access or report any of my credit information and should as such be removed immediately. The initial FTC report is attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One credit does not disclose the statement closing date to its users. Even if paid in full the account will not inform user of statement closing date. So if credit card is used in between the due date and whatever date is the statement closing date the consumer will suffer. I have suffered due to this and my credit score went down because this agency refuses to inform its own consumers when they are closing the bill date. This is a predatory tactic that leaves the consumer unable to use this card.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IN)

Making a payment through XXXX - selected Chase Credit card. The transaction is shown as a *CREDIT CARD* transaction and you are charged a {$3.00} fee ( or 3 % ) by XXXX to cover their *credit card fees*. 
However, CHASE then independently considers the transaction a CASH ADVANCE - charges a {$10.00} fee and then starts immediately accruing 29.9 % INTEREST! On a {$100.00} payment to a friend, I paid {$100.00} to XXXX on a documented 'Credit card ' transaction. 

That month I was charged {$10.00} cash advance fee + interest. The entire bill was paid off. The next month I owed more interest for the time elapsed from the bill being sent and being paid off. Total fraudulent and independent charges from Chase was {$12.00}. 
XXXX 's extra fee was {$3.00} ( presumably also going to chase ). 

So a total of {$15.00} in fees for a {$100.00} payment. 

This is fraud - plain and simple. I was never told, anywhere, that I was making a cash advance ( which I never, ever do with a credit card ) but instead using my CREDIT CARD ( for which I was also paying a fee UPFRONT to use! ) This practice needs stopped.
Consumer complaint received 2023-10-23
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

Good Morning, I am submitting a complaint in regards to PSLF counts not being updated properly in a timely manner. There have been numerous borrowers that have similar timeframe as myself that had there counts updated. Instead, Ive been told another 90 business days from Mohela. 

Below is my timeframe. 

XX/XX/XXXX : Used PSLF tool helper to generate PSLF certifcation/waiver application. Submitted via mail PSLF certification/waiver along with consolidation. Received/Processed XX/XX/XXXX. 

XX/XX/XXXX : XXXX  reports missing handwritten signature, which was resent back the same day. Per XXXX, XX/XX/XXXX received missing documents/processed. 

XX/XX/XXXX : Transferred to Mohela and loans dispersed XX/XX/XXXX. XXXX Mohela website, PSLF application states it was processed on XX/XX/XXXX. Employment approved/verified. 

XX/XX/XXXX : Called Mohela to inquire on status with PSLF Waiver counts. Per PSLF specialist, able to verify approved PSLF employment. States it will be an additional 90 days starting XX/XX/XXXX. Informed specialist that there have been numerous people that have had waiver counts completed with similar timeline and asked why another 90 business days. However, specialist was unable to give proper answer on why the clock was resetting back to 90 business days.

I would like an update on the situation as there hasn't been a good answer on whether my application is under review so that I verify accuracy of PSLF counts.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (SC)

I'm a co-signer for my daughter XXXX XXXX we got on a three way call and they set up a payment plan of around XXXX foe a hardship. They said in three months the payment will come out automatically. Three months later no payment came put XXXX her account. I called Sallie Mae to find out why and got treated like XXXX. I asked her to please go back and listen to our phine call and to just set XXXX up on the payment plan and let 's move forward. She said I had to pay a crazy amount or your going to another department. The best day I git a call saying it was in I think retention and there qas nothing they could do unless we paid the balance. We asked for a hardship was told it was approved we called to find out why the payment did not post and get no help. A willing consumer willing to work out a payment and they do this. They keep calling me to refer me to retention and I work all day and do not have 2 hours to get put on hold. I asked the representative if they could have that department call be baklck after reviewing my file so, I don't have to repeat myself and he said he could not.
Consumer complaint received 2023-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MCM Holdings, Inc. (TX)

Please refer to complaint number XXXX and incorporate and include in this complaint. My complaint was against the new mortgage company XXXX XXXX ), which is the incorrect entity. The complaint should have been directed to the MCM Capital Solution and the title company XXXX XXXX XXXX, XXXX. The heart of my complaint is as follows : Please utilize all of the documents submitted in complaint no. XXXX, in addition please consider the additional issue based upon the information submitted to me by XXXX. XXXX. The signature is not the signature that I signed when the loan was signed at my construction site in the presence of my plumber. 2. I never received a copy of my signed documents within the three days required to rescind the loan or correct the errors. Documents purportedly signed on XX/XX/2023 and I received a mailed copy dated XX/XX/2023, that was not complete and contained several blank pages. i just received a complete copy from XXXX on XX/XX/2023. 
3. The Escrow Account was not to be contained in the loan documents and was included without my knowledge, consent or consideration. 4. Hold MCM Capital XXXX XXXX XXXX XXXX, XXXX accountable and remove the fraudulent misrepresentation signatures on the documents.
Consumer complaint received 2023-10-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (UT)

On XX/XX/2023 we made a call to Exeter Finance to validate a debt. However, upon trying to validate the debt, Exeter Finance explicitly refuse to give any information pertaining to the debt, stating the reason for not disclosing any information was due to litigation. However, there is no litigation from Exeter Finance on this account at this moment. They then tried to say that legal counsel needed to be provided in order to discuss the debt, and that a " pro bono '' lawyer is not a valid one.

Even after giving Exeter Finance my name and all pertaining information to this debt, they still were unable to give me any information as a consumer upon this account. Since no information can be given, this debt is invalid.

In the recorded phone call, you can explicitly hear the refusal to answer any questions about the debt. 

We also tried contacting this company on XX/XX/XXXX, only to be hung up on. Both calls are attached, and labeled as follows ExeterXXXX  : recorded on XX/XX/XXXX ExeterXXXX : recorded on XX/XX/XXXX XXXX
Consumer complaint received 2023-10-24
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. (TX)

These XXXX  Accounts have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. ( I DO NOT VALIDATE THIS DEBT ). THEREFORE, THESE ACCOUNTS LISTED ABOVE MUST BE DELETED! 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.