davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (PA)

We spend more than {$4000.00} every month with multiple Citi credit cards. On XX/XX/2023, we dined at XXXX XXXX, the restaurant overcharged {$46.00}, we disputed the charged through Citi, provided them with original receipt as proof. Citi closed the dispute prematurely without providing any counter-proof or evidence of overcharge being just. 

We complained to Citi executive office : XXXX XXXX XXXX, XXXX XXXX Head XXXX XXXX, and Consumer Relationship Head XXXX. Provided them evidence of purchase multiple times. They have been highly unprofessional and non-responsive to resolve the issue or provide us with evidence of why they would not provide customer purchase protection against fraud. 

Irrespective of the size of the amount, it is the lack of care for customers by Citi, that is shocking and upsetting. 

XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (MD)

XXXXXXXX XXXX I applied for {$8000.00} personal loan online DISCOVER. I was discriminate and my application was rejected. I call and spoke with XXXX and she stated there's no reconsideration department and if it's rejected try later.
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

On XX/XX/XXXX I ran my credit report and was shocked to see a gigantic increase in my student loan debt. The balance should be in the ballpark of {$70000.00} but ballooned to over {$140000.00}, nearly exactly double what I actually owe. 

In XXXX of XXXX Nelnet had transferred my account to XXXX. I have this documented. Now both Nelnet and XXXX continue to report my student loans, showing a duplication of each loan under two different servicers. 

On XX/XX/XXXX I reached out to both Nelnet and XXXX. Nelnet claimed that it was not their problem, that they were reporting " correctly. '' I confirmed with them my account balance is XXXX. So I said to them, so if you say my account balance is XXXX, but you are reporting a balance of thousands, then clearly you are not reporting correctly. They also claimed that this is only an issue with one credit bureau. I explained that it is not, it is double reported on all three. In my mind this is fraud and lies. They are fraudulently miss reporting to the credit bureaus and it has severely harmed my credit. They continued to claim it was not their problem and to contact XXXX that they hadn't accepted my loans. XXXX says they have accepted my transfer, and I believe that to be accurate because they are showing up on my credit reports. 

Nelnet needs to be held accountable for fraudulently reporting to credit bureaus and habitually lying to borrowers.
Consumer complaint received 2023-04-22
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. (IL)

In accordance with the Fair Credit Reporting Act - XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-17
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. (IL)

XXXX, XXXX and Equifax are reporting XXXX and XXXX XXXX XXXX on my credit. I have no idea where any of these come from. I reported asking what theyre reporting and how do I owe as we never did business. There are companies continuing to make false verifications to collect fraudulent payments that arent owed to them. I would like a true investigation not false verified. All documents need to be sent to me as Ive never signed anything with either company.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I, the consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, Eastern Account System contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : Eastern Account System account : XXXX address : XXXX XXXX XXXX XXXX, ct XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (FL)

checked credit score on XX/XX/XXXX shows that I have an open collection for the past 7 months ( XX/XX/XXXX ) from XXXX XXXX XXXX XXXX. 
When I looked the company up it shows they have a history of getting peoples information and sending them to collections for no reason
Consumer complaint received 2023-04-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-11-17
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

In ordinance with the Fair Credit Reporting Act, XXXX account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (GA)

STUDENT LOANS ARE CONSOLIDATED AND IN THE IBR REPAYMENT PLAN. HOWEVER WHEN THEY FIGURE YOUR ANNUAL PAYMENT RATE THEY DO NOT TAKE IN TO CONSIDERATION COST OF LIVING OR OTHER BILLS ONE HAS TO PAY. THEY ONLY FIGURE A FLAT PERCENTAGE BASED ON YOUR GROSS INCOME. NOT NET AND WHAT YOUR EXPENSES ARE. ALSO ON MUCH MORE CONCERNING LEVEL, ALL OF MY EX HUSBANDS STUDENT LOANS AND ALL OF MINE ARE CONSOLIDATED UNDER ONE SSN, MINE! SO NOW THAT WE ARE DIVORCED WE CAN NOT SPLIT THESE BACK OUT. SO I'M STUCK WITH OVER $ 300K IN DEBT. HE CAN BUY HOUSES, CARS, ETC ETC, BUT I CAN'T. 
PLUS I CAN'T USE MY VA HOME LOAN UNLESS I'M MARRIED. XXXX?! 
AND IF I WERE TO MARRY THEN MY STUDENT LOAN REPAYMENT AMOUNT DOUBLES! SO I CAN'T USE MY VA HOME LOAN UNLESS I MARRY, BUT IF I DO THEN STUDENT LOAN PAYMENT DOUBLES. I AM SO SCREWED. I'VE WRITTEN TO MY CONGRESSMAN - XXXX XXXX AND HE COULDN'T DO A THING TO HELP. OR RATHER WOULDN'T.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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. I notice an Account under my consumer report which I do not recognize. This account was opened fraudulently. XXXX XXXX is not mine please delete and investigate immediately. It 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Consumer complaint received 2023-05-05
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. (NV)

There are several auto loan inquiries and credit XXXX credit report that were not done by me. And have significantly drop my credit score and have been reason for me being denied credit because of to many inquiries. Please help me remove these from my report. 
I have tried reaching out to the companies with no resolve. They told me to dispute it. XXXX XXXX Location XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/, XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/ Phone ( XXXX ) XXXX Thank you
Consumer complaint received 2023-11-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

I was contacted ( inappropriately ) via email regarding an alleged debt owed to an apartment community in which I was wrongly evicted. According to the initial notice, purportedly XXXX XXXX contends that they have permission to contact me via email. I totally disagree as I am unfamiliar with this entity nor did they provide verification that I consented to receiving communication via email. Notwithstanding, despite adamantly refuting the alleged debt owed and providing substantial proof to the contrary, they are in direct violation of the FAIR DEBT COLLECTION PRACTICES ACT and provided no valid proof to substantiate an alleged debt owed. Twice I provided adequate documentation to refute the allegations for which it was totally ignored. I learned that the debt had been placed in Collections on my Credit files via my Credit Monitoring Service. I had a rather not so pleasant conversation via telephone with the company to no avail. Presently, I am homeless and unemployed. I also retain a Government Security Clearance that is now in jeopardy due to the negative reporting of this Collection account further impeding my efforts to regain employment.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (PA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
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. (GA)

To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Consumer complaint received 2018-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I sent a jeweler a total of {$700.00} for labor to make an engagement ring using the company XXXX that is backed by my bank Wells Fargo. 

I transferred {$500.00} on XX/XX/2018 from my checking account. 

I then transferred {$200.00} on XX/XX/2018 from my savings account. 

This jeweler has never followed through in making the ring and has failed to reimburse me. 

I attempted to file a claim of fraud through Wells Fargo and was told that since I technically approved the transaction there was nothing they could do for me. 

I feel this is my last option besides filing a suit in small claims court.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I called in XXXX to try to resolve the issue and still nobody resolved the issue we now in XXXX of XXXX  and it's still the same issue I sent documents they told me they see half of my documents they can't see my ID and all this other stuff and it's not making no sense because how many times can I submit the same documents do I submit my police report and still nobody fixed this a supervisor goes and tell me it was a error made from our end and I'm gon na fix it and then come to find out it was never fixed months later and every time I try to put in an application to we get replacements of credit cards that the laws the application get blocked due to the fact of XXXX not updating my file
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DE)

XXXX XXXX  has stated again that the information on my account XXXX XXXXXXXX is correct but they are wrong because I have sent them proof of payment of my Insurance along with the Declaration Pages. Both XXXX and XXXX XXXX mortgage have fraudulently tried to take more money from me on an Investment property through Escrow that is more than three times the price of the insurance that I pay for the property. I want XXXX XXXX  to erase the Escrow immediately before I am forced to file a lawsuit against the company including criminal charges of fraud. As you can see from the paperwork including my refinancing of the property in XXXX, that the insurance was paid every year
Consumer complaint received 2023-11-17
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. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (GA)

15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX, Amsher Coll XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer report