davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (IL)

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX USA ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried XXXX different methods to get unknown/unauthorized hard inquires off of my report by mail XX/XX/2022 and by phone XX/XX/2022. Their phone system is set up where they will not allow callers to speak with a representative to resolve this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (WA)

I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling XXXX way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in XX/XX/2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for XXXX and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the XXXX law associates and the BBB has XXXX complaints against XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XX/XX/2022 {$110.00}, XXXXXXXX XXXX XX/XX/2022 {$2900.00}, XXXXXXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-06-22
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. (FL)

I submitted a dispute along with a FTC report to TRANSUNION and XXXX on XX/XX/2022 letting these companies know these accounts are fraudulent. They removed these accounts on XX/XX/XXXX and XX/XX/XXXX from my report. These accounts have been re-inserted on my credit report. My federal protected consumer rights are being violated due to the fact these accounts are fraudulent and also according to the FCRA I am suppose to receive a 5 day notice before re insertion prior to doing so and I did not receive anything.
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I moved out from my apt less than 90 days from being released from XXXX XXXX. I informed this of sent my military information and they wo n't stop. I was informed that I qualified in class action suit against the IQData v XXXX but was in the hospital so was n't included in the suit. 

The lawsuit charges that IQ Data International violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior ; by using false, deceptive, and/or misleading representations or means in connection with debt collection ; by misrepresenting the character, amount, and legal status of a debt ; by ...
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX - Account Number : XXXX Unauthorized inquiries : 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 2022-06-21
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: Experian Information Solutions Inc. (FL)

Bankruptcy on all three credit reports should be off my account as of XX/XX/2022, and it's still on all three credit reports. Agencies trying to collect debts that I know nothing about and I've received nothing from them and then it just keeps getting sold and it starts all over again on my account and its been on all 3 for years and years and years and the credit agencies keep allowing this. No matter who the debt collector is, I have never received documentation therefore by law they can not be putting it on the credit report, they're not communicating and then they're selling it and it's starting over and over and over on my credit report for the rest of my life, this is not legal. Credit reporting agencies are allowing anyone to run backgrounds on me without my knowledge or approval. I have a legal documents from the courts that have dismissed my student loans and they need to be closed out on all three reports and they are not and I have given that legal document over and over and over to all three reports to no avail, this document is signed by a judge. My name is spelled many different ways on my credit report and I have provided them the legal documentation that shows the proper spelling and I've asked them several times to correct this issue and they have failed to comply along with not deleting after two years the incorrect addresses.
Consumer complaint received 2015-11-10
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: GVA Holdings, LLC (WA)

I have been receiving threatening calls from XXXX XXXX. In their voice messages, they state that they are going to sue me and have me served with papers at my place of employment and at my home. In addition, they contacted my parents and disclosed all of the information regarding this " debt '' and told my parents that I was going to be sued. When I attempted to call XXXX XXXX to question them about their harassment and collection tactics, the case worker who refused to give me his name stated that my father was right about me, I never pay my debts and steal money. This is insulting and false on all counts.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (PA)

I cancelled XXXX XXXX XXXX wireless account and paid amount owed. XXXX XXXX XXXX is attempting to charge me an additional {$120.00} that I do not owe. Moreover, XXXX XXXX XXXX stated that the charge was for " equipment, '' but I brought my own device. 

This disputed amount has been assigned to a collection agency, Credence, who repeatedly sends me notices to pay. I have tried to resolve this issue with XXXX XXXX XXXX XXXX First time, when I received notice to pay ; second time, when it was turned over to a debt collection agency. Thank you for your help. 

XXXX XXXX
Consumer complaint received 2022-06-22
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. (PA)

In accordance with the fair credit reporting act XXXX and XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX  account # XXXX, and XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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 2022-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (MN)

This is a secondary complaint to closed complaint XXXX. In response to my last complaint So-Fi stated that they would be sending me a check via email for the {$5000.00} stolen from my account due to their lax security measures and my remaining balance of {$280.00}. The check in the amount of {$5200.00} was sent to me, but when my bank submitted the check for payment into a joint account with my son ( XXXX XXXX ), So-Fi rejected the check and did not provide the funds. It appears that they sent a check they did not intend to honor nearly to close out the initial complaint. My stolen {$5000.00} and remaining account balance of {$280.00} is still not back in my hands and is causing me to pay additional fees and interest on other loans due to the missing funds. 

So-Fi claims the fraud issues was on my end due to stolen email. However, outside of my So-Fi problem I have had no other instances of fraud perpetrated on any of my other banking or investment accounts, credit cards, or any other situation where the email in question was used.
Consumer complaint received 2021-04-18
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: Nelnet, Inc. (PA)

on both XX/XX/2021 and XX/XX/2021, I sent dispute letters to all three credit bureaus for the accounts on the letters attached to this complaint. 

I then followed up with a demand and comply. 

Lastly, I sent settlement letters for the violations on behalf of each credit bureau. 

I have yet to get any responses with results or notice of inaccuracies with my disputes. 

All letters are attached to this complaint. 

this is also a follow up to complaints XXXX and XXXX
Consumer complaint received 2022-06-21
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. (MD)

I started sending letters to XXXX XXXX on in XXXX of 2021 regarding a credit item reporting on my credit. Additionally, I have followed up with letters in XXXX and then in XXXX as shown in the receipts. I later followed up with letters to the credit reporting agency with complaints regarding that account. To date, I have not received any follow up or information related to my request. I have attached a copy of the letters as well as the copies of the receipts. No action has been taken to validate this debt and the different bureaus are reporting differing amounts.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NC)

I am a Citi credit card customer for more than 7 years. I made a credit line request from online account on XX/XX/2015. The request has resulted in a Hard inquiry on my credit report. The credit line increase with citi card has always been a soft inquiry for me in the past. I contacted customer service and they informed me that the online credit line increase requests are hard inquiry and the credit lime increase requests over the phone are soft inquiry. However, the website does n't mention any disclosure or notification while I was making the request. The representative asked me to fax or mail the Citi Bankcard Credit Bureau Dispute department.So, I faxed them on XX/XX/2015 explaining my case but I did n't hear back anything for more than two weeks. So, I contacted Citi customer service again as there was no way for me to contact their credit bureau department via phone. This time I asked to be connected to a supervisor. I had to explain my case all over again. After listening to my case supervisor told me that either online or over the phone it should have been a soft inquiry and the customer is always asked if it will be a hard inquiry. So, she assured me that this hard inquiry will be removed and she has escalated it to the Credit Bureau department. 
I received a letter dated XX/XX/2015 and Case no. XXXX stating they are unable to remove the inquiry from my credit bureau report but there was no explanation on why it can not be removed or why it resulted in a hard inquiry. 

Citibank should be transparent in their policies across platofrms ( i.e. phone or online ). Also, they should properly train their representatives as I got different information from thecustomer service agent and the supervisor. Lastly, they should value customer 's time as I had to call multiple times and explain my situation all over everytime.
Consumer complaint received 2015-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MN)

On my XXXX XXXX credit card were additional charges outside of the one I had made to fly to XXXX. A few months after arriving in XXXX, I had noticed these additional charges and disputed them first with XXXX XXXX, who after a month refused to do anything. Then I disputed with CitiBank. I was told the time would XXXX days until a dispute decision was made. 

I never received an update. After contacting CitiBank, I was told that the dispute had been resolved and I would see a credit of XXXX on my statement. 

The statement was posted, but no credit was received. I contacted them again, I was told on the next statement date. Which would be XXXX/XXXX/2015. Now it is XXXX/XXXX/2015, and I have checked the statement, and there is still no credit. I contacted CitiBank again, and was told to wait until the next statement. 

Every month, I am being charged interest on the total amount I owe plus the XXXX. This is illegal what they are doing. They need to go back and refund all of the interest paid, and the XXXX to the balance of my account. 

A complaint is also being filed with the Attorney General and the Federal Trade Commission. 

I have copies of all of the chat transcripts and documents sent and received. 
Chat Transcripts, Unauthorized Charge Affidavit and Letters, Statements.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WI)

I opened a best buy citibank credit card recently and before I received the card, I moved. I called them to change my address and even after giving them my ssn and all the information they asked for, they would n't verify my account. 

I gave them the same information that I used to open the account. They made me send a code to a number that belongs to my father to access my account. After changing my address they told me they would send out a new card. I received an email from them today about returned mail. I called them to see if it was returned from the old address or the new. They told me my account was being investigated for fraud and they could n't give me any other information, not even if interest and late fees would be accruing during this time or how long this investigation would take. 

This is unacceptable. This is my account and I have all the information that is legally required to prove my identity. I am worried they will hurt my credit as I can not access my account to make a payment. They would n't allow me to speak to a supervisor, though I asked on XXXX separate calls. Please advise.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26
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: Experian Information Solutions Inc. (GA)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

On XX/XX/2016 Equifax sent me the results of the investigation report and stated that the following items were removed. 
Real time solutions acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX However as of today the items have been placed back on my report. I am not asking for a re-investigation I am only asking that they remove the items as they were previously removed and replaced with out notification of the items being reinserted to my report.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (IL)

I was told I can qualify into re-financing my loan since I was months in advance in my payments. Wells Fargo Bank N.A . did not allow me to modify my loan nor did they allow me to do a reverse mortgage with Private Bank ... Wells Fargo Bank filed a foreclosure with fraudulent note ... knowing that the endorsement was created by one the attorney XXXX XXXX who works in the firm of XXXX XXXX XXXX, claiming to be vice president of XXXX ( XXXX XXXX Circuit Court No. XXXX ... Wells Fargo Bank N.A . entered into a XXXX XXXX in XXXX & XXXX allowing borrowers to stay in there homes in which I have lived for 32 years. They are not complying to the Consent Order. Illinois Appellate No. XXXX ... in which they stated they do not have to enforce a federal judgment order ... .Illinois Attorney General Office also received my complaint about the XXXX XXXX Judges not willing to enforce the Federal Consent Order ... in which I still have not gotten a complete response, as to why the Courts refuse to enforce .... The loan originated with XXXX which the bank continue to make withdrawals from my account after the note was endorsed and transferred to XXXX.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Associated Credit Services, Inc. (NH)

Collection agency reported to XXXX that I owe {$550.00} to XXXX XXXX for an outstanding gas bill which I have a grant for the amount of {$600.00} for. I disputed the claim and sent them a copy of the grant. I have not been contacted by them since. 
I have also called, faxed, and mailed the grant information to XXXX XXXX via USPS Priority with signature and when ever I call they say they have no record of receiving any information for me. 
I have not lived in the state for almost two years.
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FIRST NATIONAL BANK OF OMAHA (CA)

XX/XX/2017 As you know, I have reported my identity was compromised. 

Police report and Identity Theft Victim 's Affidavit were filed and mailed to the Banking institution, Consumer Financial Protection Bureau and OCC. 

I asked that the charges be taken out of my billing. 

Please respond within the next 30 days as of XX/XX/2017 that the charges are removed.