davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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. (IL)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is in inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 Also the Credit bureaus took more than 30 days to complete my investigation i gave them over 30 days to send me the results snd they never sent me anything here is my certified mail tracking # XXXX, XXXX
Consumer complaint received 2024-04-07
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. (GA)

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. XXXX and TRANSUNION are third party companies.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NJ)

I HAVE DISPUTED AND REQUESTED I WHOLE CREDIT FILE FROM THESE THREE COMPANIES AND THEY ARE REFUSEING TO DO SO WHEN I HAVE IDENTIFIED MYSELF MULTIPLE TIMES THATS WHY IM CONTACTING YOU GUYS SO I CAN UPLOAD MY PROOF OF IDEA ASWELL AS ADDRESS AS WELL AS SOCIAL SECURTIY CARD WICH I FEEL IS XXXX MUCH BUT THAT IS NOT THE MATTER HERE THESE FAULE REPORTS AND ONCOSENT TO FURNISH MY INFORMATION WITH OUT WRITTEN CONSENT IS ANLAWFUL ASWELL AS FRAUD AND IDENITY THEFT THESE ARE THIRD PARTY REPORTING AGENCIES .AND DO NOT GOVERND ANY PROPER LAW GOVERND BY THE FCRA THESE REPORTS ARE HARMING MY PROGRESS AND MY FAMILY AND I DEMAND FOR FRAUD REPORTOMG AND DEROGATORIES BE REMOVED ASAP 4 DAYS OF RECITE ASWELL AS SEND ME A EMAIL TO XXXX I DO NOT TRUST THE MAIL I WANT IT EMAILED TO M EMAIL ADDRESS EARLLY WARNINGS, CHECK SYSTEM AND LEXIS NEXIS THIS WILL BE ADDRESED TO
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
My credit report includes this erroneous information that needs to be investigated and removed : XXXX XXXX XXXX
Consumer complaint received 2024-04-07
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. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account # : XXXX Account Type : revolving Institution : XXXX XXXX
Consumer complaint received 2024-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I submitted a written request to Nelnet for information on how to enroll in automatic payments at $ XXXX. Months later, on XXXX, they replied to my request, but they didn't include any of the information I requested. I replied to them again, reiterating my request. On XXXX, they replied to me, once again without any information on how to address my concern.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I ws looking at my account and a see the minumium payme is like XXXX for a balance that i old of Current Balance {$1100.00}, i try to adress that with the costomer services..but they say is nothing they can do. here is what they say : Thank you for patiently waiting. Please be informed that this account is accumulated by a monthly interest of 2.50 % of current balance. As per XXXX/XXXX/XXXX account was charged of {$49.00} interest and yes you are correct. The minimum payment is {$110.00} good until XXXX/XXXX/XXXX. 


As much as we would like to have your APR adjusted, unfortunately, we do not provide annual percentage rate reductions. The current rate you have is all that we can offer.
Consumer complaint received 2022-02-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MI)

I have called multiple times and I was told I had two options for repayment. I could repay a year of interest which runs until XX/XX/XXXX which would be {$800.00} a month or pay the regular price of {$1200.00}. I chose to try and pay the interest payment in XX/XX/XXXX but will then increase in XX/XX/XXXX to {$1300.00}. 
I am a XXXX and a first year XXXX  at that. I barely make enough money to make ends meet. It takes one full paycheck to be able to pay that amount and there is no way I can pay the XXXX. 
I understand It is my responsibility to repay my loan I am not asking it to be forgiven I just need more manageable payments so I can life a normal life and be able to save. I am willing to up the money in the future when my salary increases but right now I can not afford this amount. 
it says on their website they are willing to work with you and I have not had this be an option. 
I have reached out to my governor, both senators and House of Representatives in some hopes of being pointed in the right direction and help with this issue. Who then directed me here
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

The following furnishing persons have violated my consumer rights, JEFFERSON CAPITAL SYST XXXX # XXXX, under the flowing : 17, cfr 248.124 reasonable opportunity to opt-out, Title 13 proof of a contract agreement 15 usc 6802 -05, 5 usc 552a Privacy act of 1974, 15 usc 1681 { b } SSA Consent Permissible purposes of consumer reports 18 usc 1029 knowingly participating in unauthorized access to a credit devices 15 usc 1644 fraudulent use of credit cards. By advertising unauthorized accounts on my XXXX, XXXX, and XXXX consumer reports preventing me from being able to receive a fair and equitable reporting. These furnishing actions undermine the credit reporting agencies responsibilities to insure that my credit reports are reporting accurate accounting information. The action of these furnisher has shown to be harassing and caused me and my family duress and lost opportunities on investments. They have ignored all my attempts to clear-up this matter. So I'm seeking the support of the CFPB to help rectify these fraudulent account from all of my consumer reports.
Consumer complaint received 2017-03-11
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I had an emergency situation to transfer money to someone in XXXX XXXX. I choose the wire transfer methods as this is the fastest method to transfer money. I worked with XXXX ( Branch Manager ) in Citizens Bank XXXX XXXX branch inside XXXX XXXX. After understanding all the information for the recipient bank and intermediary bank XXXX processed the wire on XX/XX/2017 and he informed me that the money will be in recipient account on XX/XX/2017. I did express the urgency of this and he assure everything will be ok. 

Until today XX/XX/XXXX the recipient has not received the money. When I called XXXX he said he has put a tress on the transfer. I called him every day and he could not get any response on where is the money until today. He gave me the number for wire transfer department. I called them every day and they have no idea where this money went. I transfer XXXX dollars and they ca n't find this money. They could not provide any estimated date when they will have any information available for me. There answer is they do not have any updates and it may take several days to investigate. 

I have told XXXX and XXXX XXXX ( wire transfer manager ) that it is costing me {$500.00} per day in penalties/inconvenience fees for each day the money get delayed. 

Unfortunately this bank took nothing seriously and keep telling me that they ca n't do anything at this point.When intermediary bank response they will contact me. 

The Citizens bank should be responsible for my money and for their process and for agreement with their intermediary bank. I ca n't be responsible for their miscommunication and ignorance. I do not deal with their intermediary bank. How can I be responsible for communication between them. when I asked them if I can talk to some serious level person at Citizen bank they said they will escalate but I have not received any other information or solution for the problem. 

Please help me to find my money and help me to pay this additional charges that incur because of Citizen Bank process and inefficient dealing.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates is sharing my nonpublic personal information with non affiliated XXXX XXXX XXXX, XXXX XXXX XXXX. Portfolio Recovery Associates does not have my consent to have and share my private personal information. They are XXXX  my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in XXXX  of XXXX  federal laws.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC is sharing my nonpublic personal information with non affiliated XXXX XXXX XXXX, XXXX XXXX XXXX. LVNV Funding LLC does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of XXXX  federal laws.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WA)

I am trying to change my repayment plan from a standard to an extended graduated repayment plan. Edfinancial requires a phone call to make the changes, but the hold times are insane. I called this morning at XXXX XXXX  PT and did not receive a call back until XXXX XXXX  PT. After taking my income information, the customer service rep told me it would take 20-25 days to change the repayment plan. My wife has her student loans serviced by XXXX, and changing her repayment plan was as easy as clicking a button and accepting the new terms. By requiring me and countless other student loan borrowers to jump through so many hoops just to change the terms of the repayment plan, Edfinancial is interfering with the borrowers right to modify payment terms, in violation of the promissory note between the Department of Education and the borrowers.
Consumer complaint received 2024-01-15
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: Experian Information Solutions Inc. (MO)

This is truly criminal and should be addressed but we know experian does not fix problems just creates them, still working on the issue THATS A JOKE JUST LIKE THIS FRAUDULENT COMPANY
Consumer complaint received 2024-01-15
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: Tesla, Inc. (PA)

I am writing to dispute the accuracy of several unauthorized inquiries on my credit report, as provided by XXXX. After obtaining a copy of my report, I have identified the following inquiries that I believe are unauthorized and not attached to any of my accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, I request that you conduct an immediate investigation into these matters and remove these inquiries from my credit report. 
* Inquiry Details : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explanation of Inaccuracy : * All of the listed inquiries are unauthorized and not associated with any accounts in my name. 
* Request for XXXX XXXX and Removal : * I request that XXXX immediately investigate the unauthorized inquiries listed above and remove them from my credit report. 
* Reference to FCRA - 15 U.S. Code 1681a : * I want to bring to your attention the FCRA, specifically 15 U.S. Code 1681a, which outlines definitions and rules of construction related to consumer reporting agencies. As per the FCRA, inaccurate and unauthorized information should be promptly investigated and corrected.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Jefferson Capital Systems is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Jefferson Capital Systems does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (OR)

I keep receiving spam texts from " Credit Control dept collector '' saying my XXXX XXXX account is with them and to go to a website or to call them. My account with XXXX XXXX is not in collections and never has been this. This is a completely fraudulent text.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

This account is disputed in its entirety. I demand proof of debt including a complete cardmember agreement which will include any arbitration provisions or provisions regarding class actions permissibility. Every account of mine has been disputed with cease and desist notices sent to every credit which was served upon every creditor on cease and desist notices filed in CFPB complaints on XX/XX/. If disputed account was purchased, debt buyer must produce copies if cardmember agreement and documents.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade In addition, I have attached a PDF document reflecting all items that were found. 

PLEASE REMOVE THE FOLLOWING INQUIRIES ASAP 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 XXXX XXXX XXXX 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous personal information, accounts and inquiries that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (WA)

Hi this is XXXX XXXX. I have reported to you and to whom this may concern there is no way or an option to upload documents onto this website. This is ridiculous. How come you just close my case with Chrysler capital without asking me for information about Chrysler capital or providing me with a reasonable way of providing you with the information I have statements from the bank and statement from Chrysler capital and it shows that they are XXXX Over the original loan amount I want to press charges I want to hold these people accountable in anybody else thats associated with them!. This is extremely unfair. How come you do not provide a way to upload documents onto this website!. I need a fax number way too many documents to upload through a website!.