davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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)

In accordance with The Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX  Date Opened XXXX XXXX, 2022 Amount owed {$6000.00}. 
Account # XXXX I have called them and tried telling them this is not my account.
Consumer complaint received 2023-02-01
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

This is still an issue. I requested payments made to XXXX to be refunded to me under COVID reimbursement laws for borrowers in XXXX of XXXX. The payments were made in XXXX of XXXX & XXXX of XXXX for a total of {$2000.00}. XXXX has still failed to process my reimbursement as requested for going on 7 month. Today I logged into my account and they applied the {$2000.00} to my loan instead of reimbursing me as requested month after month after month. They've misappropriated funds and even told the CFPB that they mailed me checks repeatedly. Clearly they did not because they now have somehow rectified in accounting error and applied the funds that I have asked to be reimbursed. Now they are telling me that I'm beyond the threshold of the allowable date to get the reimbursement of payments made. My requests were made multiple times by phone and in writing from XX/XX/XXXX until present. My loan amount was {$5500.00}. The attached show that they have applied the payments to my account but only on the Department of Education site account. On the XXXX account site they still show I owe {$5500.00}! They applied them, took them away when I requested the {$2000.00} refund, and then applied them again but only to the Department of Education??!! This is crazy and probably illegal since they have accounting reporting requirements. They've lied to me, lied to the CFPB about sending me checks and still have not processed anything. What is going on?
Consumer complaint received 2022-11-09
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-09
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. (TX)

I have contacted XXXX XXXX on several occasions to resolve the account that does not belong to me. I have offered to send updated copies of my social and ID to confirm. XXXX  XXXX has reported the account ending in XXXX to the wrong credit report. 

XXXX  XXXX  has a social security number reporting under a social that doesnt belong to me. Please review the attachments for further review. 

I would like to be contacted at XXXX
Consumer complaint received 2022-11-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I NEVER gave You or XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices.
Consumer complaint received 2022-11-05
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
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: CITIBANK, N.A. (MA)

Related to complaint XXXX. Company called today, offering for a further review of credit line. When I asked what affected the company decreasing credit line by half to begin with, the " Executive '' stated that my " payment was low on one or more accounts ''. I asked what that meant ; she refused to answer and said that this was a company-provided response. She could not provide me with anyone else to speak with to tell me what it meant. She confirmed that all payments have been made on-time, and minimum payment or higher was made each month. When I stated that " payment was low on one or more accounts '' is not a determining factor on my XXXX XXXX, she again stated that this was a company-provided response. 

CitiBank is making their own determining factors when deciding credit. The related complaint shows that this card has only been open for a few months ; all payments have been made on time, and minimum-due or higher has been paid ; the card never went past 50 % utilization. The " executive '' I spoke to said Citi uses their own numerical factoring with their own metrics to determine credit scoring. This is not public, nor is it known to the public ; this was only shared with me after filing complaint XXXX and waiting for someone to call. 

There are real concerns for the consumer with what Citi is doing. They approved a credit line of one amount; dropped it to only allowing for {$70.00} on the line ; then stated that it was due to " payment was low on one or more accounts '' ; then stated I would need another soft credit pull in order for it to be reviewed. This " executive '' also stated that she knew the determining credit factors, and that the " payment was low ... '' statement was also a company-provided response, despite how logical it may be for a consumer to turn to published factors that determine credit.
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

Hello I filed complaint # XXXX regarding LJ Ross reporting inaccurate information. I've never lived at XXXX XXXX XXXX XXXX  XXXX XXXX LJ Ross response stated that the account was involved in litigation, which is false information. I reached out to a legal aid attorney XXXX XXXX XXXX at legal aid XXXX. XXXX confirmed that my name is not involved in any litigation, thru out the US. That is false information they're providing. XXXX provided me LJ Ross number XXXX which I called XX/XX/XXXX at XXXX and spoke to an representative which advised me to send in police report number and IDENTITY THEFT REPORT which I've already submitted and proof of address from XX/XX/XXXX - XX/XX/XXXX. Which I've enclosed. I've enclosed my lease from XX/XX/XXXX - XX/XX/XXXX report #. This company is doing illegal improper, unfair practices. I'm requesting for this information to be reinvestigated and removed from all credit reporting agencies.
Consumer complaint received 2024-03-27
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. (CA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. The incorrect names are causing issues with my identity and there are several addresses listed that are not mine because none of the information is correct I am being denied credit due to it not matching. The credit bureaus assumed a role and under federal law they are required to report 100 % accuracy.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

1 ) on XX/XX/XXXX American Express was sent a registered security for {$2000.00} USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX 2 ) ON XX/XX/XXXX another registered security was sent in the form a negotiable instrument for over {$3000.00} USPS tracking number # XXXX per American express own policy A NEGOTIABLE INSTRUMENT IS AN ACCEPTABLE FORM OF PAYMENT per AMERICAN EXPRESS statement page 2.. copied below in quotes " Payment : Your payment must be sent to the payment address shown on your statement and must be received by XXXX XXXX local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX will not be credited to your Account until the next day. Payments must also : ( 1 ) include the remittance coupon from your statement ; ( 2 ) be made with a single check drawn on a US bank and payable in US dollars, OR WITH A NEGOTIABLE INSTRUMENT PAYABLE in US dollars and clearable through the US banking system ; and ( 3 ) include your Account number. '' A negotiable instrument is LAWFUL form of payment see ( 31 CFR 328.5, 31 CFR 328.6, 31 CFR 328.7 ) the first ( 1st ) security/ negotiable instrument was sent to american express ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX the notice, ( which was not mailed to me ) below is the notice received on XX/XX/XXXX from American Express declining my negotiable instrument and NOT returning my registered security which would qualify as securities fraud. 


Account Ending In : XXXX Dear XXXX XXXX, You recently contacted us regarding a payment of {$2000.00} for your above referenced account. 
We recently received an American Express payment coupon ( s ) which appears to have been modified to be used as a payment instrument ( s ).

We can not honor a payment coupon ( s ) as form of payment for the above referenced account. In order to submit valid payment ( s ), it must be sent by one of the accepted forms of payment to us as stated in your Cardmember Agreement and/or the back of your statement regarding payment methods. 

If you have any other concern, please contact our Customer Service Representative at the toll-free telephone number at the back of your card. 

We have reviewed your account for any effect this has had on interest charges, delinquency, late payment fees, over-limit fees, returned check fees, stop payment fees, rebates or Membership Rewards points and have made adjustments, if necessary. 

While we investigated this inquiry you were not responsible for paying the amount of {$2000.00} under review. Since this concludes our investigation we have reapplied the amount under review to your account and it will appear on an upcoming statement. 


Thank you for your understanding in the matter. 

Thank you for your Card Membership. 

Sincerely, American Express Customer Care Dispute Reference Number : XXXX
Consumer complaint received 2024-04-05
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: JPMORGAN CHASE & CO. (NY)

So I applied for XXXX, freedom flex, and I received email saying that I was not approved because I have high inquiries and when I check my credit app I see that I have a lot of Chase credit card application and I remember that day the system was glitching that I never received an email saying if I got approved or denied so I was applying for so much days that I got tired and I stopped applying and a few days I got three letters on my mailbox saying that I was not approved for Chase freedom flex because I have so much in hard inquiries
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (FL)

I have XXXX days behind on truck payment due to legal matters, eviction, and finishing school within a month. I have already made arrangements with XXXX representatives who noted my issues, and made a note that I would make at least a month payment of more when I receive my taxes on XXXX. On XXXX, flagship  representative called me and threatened she would call me daily until payments were made. XXXX at XXXX she called again, I was able to get her name, not an employee ID. Called flagship back requested a supervisor, XXXX, is filing a complaint for me as well and apologized for the harassment. I am called multiple times on a daily basis. I am tired of having to answer, verify, explain my situation to a new representative daily in fear of retaliation or in fear of my truck being repossessed which the employee on XXXX explained would not happen as long as I kept them updated and took a phone call to update any information if needed.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (TN)

The debt collection company FOX COLLECTION CENTER did not provide me with the opportunity to dispute the debt. I did receive any disclosures from the debt collection company. This company is not licensed to collect in the state of TENNESSEE. These are all FDCPA violations. This company violated my right and are reporting implications that they may be attorneys. This company is also damaging my financial reputation. A violation of 15 USC 1692d ( 1 )
Consumer complaint received 2024-02-29
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. (NY)

Please actually read this message and understand something. I have made complaints and disputes and gotten nowhere. TransUnion sided with the debt collection company. I had a debt for {$920.00} for rental arrears. I applied for New York XXXX XXXX program. I was approved in the end of XXXX this year. The original debt was from XXXX. The apartment complex where I was living was bought out by a different company. I called the apartment complex and they said the debt is not owed to them but to the previous company. I have called and called the prior property management company. I have left messages. Emails for months. They dont respond. There is absolutely no way for me to get in touch with them to have the debt eradicated. Yet this debt collector keeps bringing up old papers saying the debt is still valid. The stuff they are showing me is dated. They bought the debt from another debt collector who refuses to give me any information at all. Furthermore through this New York XXXX XXXX program this debt is illegal. The landlord has 6 months to respond and if they dont then legally they must waive the debt. I will attach evidence.
Consumer complaint received 2024-02-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

At the end of XXXX DRS Debt Recovery Solutions called me stating that I owed {$1100.00} as part of a loan paid by XXXX in XXXX TX. I have been to XXXX once and it was way back and before XXXX and the loan or transaction date is from XXXX. I need this reported and removed from my credit, please. I have lived in Texas for 8 years and always in XXXX XXXX. I spoke to DRS and they told me to file an FTC and a police report in order to get it taken off of my credit report.
Consumer complaint received 2024-02-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CA)

I emailed, mailed, fax and spoke to loan provider many times asking for settlement of one loan and deferment of 2 other loans, because I am doing my residency until XX/XX/. Each time I called, I was informed that my financial statement will be forwarded to upper authority for consideration. Now they are sending me and my cosigner letter, asking to make payment before XX/XX/2024 or they will put loan in default. No one ever call or answer my email or fax regarding this.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I noticed a withdrawal from my checking account with Capital One for {$2500.00} to XXXX XXXX XXXX XXXX XXXX. I do not have any accounts with this bank nor did I authorize any transactions to be paid to this bank. I immediately contacted Capital One and made a fraud claim. I was told that a bill pay was set up on XX/XX/XXXX and that they noticed it was set up by using a desktop computer rather than the mobile app, which is how I always sign into my account. I also do not use bill pay. This account is used mostly to pay my rent each month and I do an ACH payment through my apartment complex. I asked if there was anything that I need to do while the claim was being investigated and if they needed a police report, to which they said no. I made a report on XX/XX/XXXX as I wanted law enforcement to be involved and want to prosecute whoever hacked my account. I received a temporary credit on XX/XX/XXXX for the {$2500.00}. I immediately contacted Capital One to transfer the funds to the new checking account they had opened for me and once that was done, I transferred the funds to my primary checking account at another institution. On XX/XX/XXXX, I received a letter from Capital One stating that my fraud claim was denied and that they determined I am the one who set up the bill pay and that no fraud was committed on my account. On XX/XX/XXXX, the temporary credit was removed from my account, which left my account negative {$2500.00}. I immediately contacted Capital One and requested any documents that were used in making this decision as well as forwarded the police report as well as the information for the detective assigned to the case via email. The supervisor that I spoke to ( XXXX ) stated that he would request a second review of my claim and that it would take XXXX business days to complete and I would hear from them once it was reviewed. On XX/XX/XXXX, I received a letter that my account was {$2500.00} negative and that I needed to bring my account current by XX/XX/XXXX or it could be closed and my balance could be reported to the credit bureaus. I contact Capital One was told that there were no notes in the claim that stated the claim was being reviewed or investigated a second time. The representative that I spoke with ( XXXX ) suggested that I contact XXXX XXXX XXXX XXXX XXXX and ask for a letter from them stating that I have no accounts with them and send it to Capital One for consideration.
Consumer complaint received 2024-02-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc. (PA)

Hello, I have been a loyal, consistent customer of Afterpay since XX/XX/XXXX. I have spent thousands of thousands and mades hundreds of purchases utilizing Afterpays services. I have been never missed a payment, I've never been late, and despite being an independent contractor who lately has been in and out of work, I've remained committed to my obligations with Afterpay. I've been laid off 7 times since XXXX hit in XXXX. This year, I found out that I was XXXX  and was laid on subsequently. Knowing that I'd struggle to make my payments on time and put food on the table for my family, I contacted Afterpay for a hardship arrangement in XX/XX/XXXX, as I've had to do in the past. They rearranged my payments, and I made them as agreed. When I completed my program early, I requested that my account be " unfrozen '' so I can break down purchases for my little one in smaller bits. Afterpay ignored me for 10 days and on the 11th day, I reached out to them on social media to request that they please respond and reinstate my account. Instead of responding, they closed my account and advised I'd no longer be able to use AfterPay moving forward. I was stunned - No one ever told me that taking any number of hardship arrangements to proactively maintain my account and my relationship and my credit would result in losing access to nearly 5 years of loyalty and established report. I have contacted and requested that this be changed, and was told that the decision to do so came from " higher leadership '' and could not be overturned. I requested that they unfreeze my account and like credit decisioning decide my credit worthiness like every other customer, but they have since stopped responding to me. I have requested for either my account to be unfrozen or a contact for their legal department so I can have my lawyer file suit for discrimination due to XXXX and refusal to provide services, unfair lending practices, and refusal to allow reasonable modifications, but no one will respond to me.