davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX credit limit XXXX, XXXXXXXX XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there's, two more I opened the account in XXXX I worked hard to build my credit always paid my credit card before due date, I had a emergency when my grandmother was given XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I reached out to let all of them know that I would be late and just paying the minimum amount I did thatXXXX I lost my job and I was late and I reached out again to let them know that I would pay what I could I made payment and I wasn't told that they were in collection I lost my husband XXXX and I was going through a XXXX and then probate in XX/XX/XXXX I started making payments again I just found out that the payment wasn't going to the bill and I've been contacted by more than 6 different companies that's giving false information for me to indulge into conversations I never gave my consent and I reached out to Equifax information in XXXX because the information isn't correct and sent them the documents and money order and I haven't received anything from them nor my money order stubs, and there's no payment history the dates of closing isn't correct, I worked hard to build my credit and I have done my part
Consumer complaint received 2023-09-28
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. (IL)

I mailed letters to Experian, XXXX, and XXXX about inquiries I wanted to be removed due to them having no WRITTEN consent allowing them to furnish on my report. Furthermore, I have waited over XXXX days for the required response time. It is actually almost XXXX days and there has been no response.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

My credit file still contains information about previous accounts from XXXX, XXXX, and Equifax despite my repeated disputes and requests for their removal. My credit file has these items since XXXX. I've been at odds with these credit bureaus for the past six years. Everything that states " Collection Charge Off, '' including XXXX XXXX XXXX XXXX XXXX XXXXXXXX, needs to be removed. I'm unable to move forward because of the ongoing effects these things are having on my credit report. 

These laws also protects me as a consumer Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801-6809 Identity Theft and Assumption Deterrence Act ( ITADA ) - 18 U.S. Code 1028 Privacy Act of 1974 - 5 U.S. Code 552a
Consumer complaint received 2024-08-22
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. (MS)

In accordance with the Credit Reporting act. the list accounts below have violated my federally protected consumer rights to privacy and confidentiality. Account # XXXX XXXX XXXX open date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX U.S.C 1681section 602A.Section 1 States I have the right to privacy. 15 U.S.C 1681section 604A Section 2 : It also states a consumer reporting agency can not furnished an account without out my written instruction. 15 U.S.C. 1681c ( @ ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedate more than seven years,
Consumer complaint received 2024-08-21
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. (FL)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I requested my credit report and I found that Best Buy Credit Card from Citibank is missing on XXXX, XXXX and XXXX reports On XXXX, XXXX, I requested the reports and this information was included on the XXXX bureaus report. 
I am worry about this issue, because many cards are missed on my credit reports from XXXX, XXXX and XXXX. 
I want to see this information on my reports and an investigation for this irregular issue. 
Attached the last credit reports ( XXXX bureaus ) that is including the information about this credit card. The XXXX  's report was reduced to download less than XXXX XXXX. It is incomplete. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NC)

These agencies are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified.
Consumer complaint received 2024-10-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

In XX/XX/year>, I attempted to dispute this debt. The collection agency provided proof of debt that consisted of multiple leases merged together, which contained conflicting dates. In XX/XX/year>, I emailed a document signed by the property manager stating that I do not owe a balance and will not owe anything upon my move-out. I also highlighted the discrepancies in the documentation they provided.

Despite my efforts, the collection agency refuses to remove the debt or provide further documentation clarifying how I owe this amount. When I called on XX/XX/year>, they would not confirm why the documentation from the property manager is not considered acceptable. Additionally, they acknowledged that the property manager did not send any additional information validating the debt.

I also spoke with collections agency and was told that the company works for their client and they were not willing to speak with me in regards to getting debt handled, only willing to speak about me paying the debt. Procollect told me to pay my bill and that was it.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (OH)

I WAS RECENTLY RELEASED FROM PRISON I CHECKED MY CREDIT REPORT AND FOUND XXXX ACCOUNTS THAT I DID NOT OPEN XXXX FOR XXXX XXXX XXXX XXXX XX/XX/year> FOR XXXX AND XXXX XXXX XXXX FOR XXXX I CALLED BOTH COMPANYS AND WAS TOLD THAT THE DEBT WAS MINE I TOLD THEM THAT THE ACCOUNTS DID NOT BELONG TO ME AND THAT I WANTED THEM REMOVED AND THEY TOLD ME THAT I HAD TO PAY DEBT OFF FIRST
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (IL)

Unfortunately I've been subject to a predatory loan by OppLoans ( https : //www.opploans.com ) who gave me a loan of {$3000.00} with an interest rate of 159 % which is in direct violation of the The Predatory Loan Prevention Act ( SB 1792 ) requiring lenders cap interest rates at 36 %. XXXX XXXX signed this act into law in 2021. OppLoans by OppFi has been named in federal lawsuits : https : XXXX " OppFi is an online lender that uses a rent-a-bank scheme to try to skirt state and local laws limiting high interest rates loans. Its business model is focused on lending to consumers with below-average credit, '' says the Attorney General for the District of Columbia .
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : items in dispute : XXXXXXXX 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 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 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 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 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 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 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I was seeking event tickets and someone contacted me on XXXX saying they had some to sell. I sent the money via XXXX then they asked for additional funds for a " XXXX activation fee ''. I XXXX  it and determined that it was a scam. When I called them on it, they blocked me on XXXX. I contacted my bank to file a claim and they refused to pay because I had in fact authorized the transaction. While this is true, I did not receive what I was promised and it was a complete scam. She took my money and ran.
Consumer complaint received 2024-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I am mainly inquiring about the legal case that was going to provide some relief or help to former XXXX  customers like myself. I believe it was a class-action settlement? Can you steer me in the right direction about who to contact? 

I had XXXX XXXX formerly. My loan was sold to XXXX. XXXX  steered me into a situation where I have a higher interest than what my principal was. I tried to get them to just lower my monthly payment for years. I live in XXXX XXXX. I had a serious car/pedestrian accident and XXXX and I was working in a field for a while that didn't allow me to make a higher payment. 

Thanks. Any help is appreciated. 

Regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

Shortly after XX/XX/XXXX, I received a notice from Phoenix Financial Services about a medical debt from XXXX. I knew the debt was not mine. I called and tried to tell them that it was not mine. They were brief and said they could only send me a record of the debt. Their statement requested {$2100.00}. I told them they had the wrong person and to not contact me again. 

Two weeks late, I received a breakdown of the debt. It was a medical bill from XX/XX/XXXX. It was not mine. They listed my name, but had an address that I never lived at, a birthdate that was not mine, a phone number that was not mine, and insurance information that was not mine. Clearly, they have the wrong person. 

Today, I called them again to tell them to leave me alone and that they had the wrong person. I spoke with a supervisor, who insisted that I provide my actual date of birth and my social security number. I refused and said do not contact me again. She made no effort to resolve the fact that they had the wrong person. 

Also, their license number application is pending in the state of California.
Consumer complaint received 2024-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (WI)

I have called several times ( also answered unmarked phone numbers marked as spam or robo calls ) wherein the debt collectors threaten with legal action. In the beginning I asked about repayment, I dont even have specific dates as it was so long ago Ive gotten different phones since then ( Im talking over XXXX  years ago ). I am being harassed by Sallie Mae at least XXXX to XXXX  times a day via text or call. They also send at least XXXX emails every single day even though I have explicitly asked them to send paper mail only, Of which I get plenty, which is unnecessary. I consider this harassment they contact members of my family, my job and people who do not have any connection to my loans whatsoever nor my cosigners. According to the statute of limitations, these loans are past their XXXX years for XXXXof which I get plenty, which is unnecessary. I consider this harassment they contact members of my family, my job and people who do not have any connection to my loans whatsoever nor my cosigners. According to the statute of limitations, these loans are past their XXXX years for Wisconsin and debt collection is unlawful at least XXXX of these loans. Therefore they can not sue. They are threatening to sue and the amount they threaten to sue for is by no means plausible in court. They are threatening and harassing me via email and discussing legal action where they can not do so via the statute of XXXXThey are threatening and harassing me via email and discussing legal action where they can not do so via the statute of XXXX  's limitations on debt collection and I will threaten to as well. I know they are connected to XXXX and their business is shameful. I have gotten calls TODAY and have tried blocking them but they still find a way. I have asked them to stop.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Westcreek Financial (CO)

In XXXX of XXXX, I purchased a television from XXXX XXXX furniture in XXXXXXXX XXXX The store is headquartered in XXXX XXXX XXXXXXXX XXXX. I have purchased many items from XXXX XXXX in the past starting in the XXXX 's. My parents purchased from them starting in the late XXXX 's. I have always used the stores XXXX days same as cash to great affect because I like the idea of buying something at no interest using someone else 's money. I always pay it off before the XXXX days and it allows me the opportunity to buy something on the spur of the moment that may be on sale. 
Upon signing the document, I informed the company that I would be paying off the balance before the XXXX days. I paid the balance in XXXX days of approximately {$2400.00} only to be told by XXXX, ( XXXX XXXX XXXX XXXX ), that because I had missed a payment I now owe them an additional {$2400.00}. I have tried repeatedly to speak to a Supervisor from XXXX only to be told that they are busy and will return my call within a couple of days to resolve the issue. I am attaching a copy of the form letter that I have received on XXXX  occasions. I don't think that there is any " Supervisor '' and that the job of the frontline people is to try to stymie and get as much money as possible. 
I have tried to resolve this issue and am more frustrated now because they have reported me to a credit agency which has dropped my XXXX score by XXXX points. I have reported them to the Attorney Generals Office of the State of XXXX since that is where the store is located and they sent me a letter indicating that I should try the XXXX Attorney Generals Office since that is where the company XXXX is. I have also complained to the BBB of XXXX since that is the state that XXXX is registered in. There are many hundreds of complaints on that website of the company and all of them are resolved by the company with the same form letter which asks them to reach out to them. 
It seems obvious that this company is in the business of extorting customers of their cash while providing no solutions. 

PLEASE HELP!
Consumer complaint received 2024-08-21
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. (NJ)

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 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.