davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I requested XXXX benefits to be applied to my account. I am XXXX in XXXX. I included the statutes from Louisiana, XXXX XXXX, and proof of XXXX XXXX status. And was denied benefits adjustments.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NY)

disputed two fraud claims with them. XX/XX/XXXX and XX/XX/XXXX. one for XXXX first one was from XXXX and the other for {$320.00} from an atm withdrawal totaling XXXX they claimed there was no fraud on either but never even investigated it or given me a provisional credit. meanwhile i appealed the first one they closed it same day then sent me a letter claiming since i said i didnt authorize the charges. they sent me a letter claiming to close my debit card. due to me reporting that my account had fraudulent activity and they did nothing
Consumer complaint received 2019-02-07
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. (NC)

I was exposed in the XXXX data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX  AS WELL.
Consumer complaint received 2023-12-06
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Consumer Collection Management. Inc (MO)

Consumer Collection XXXX XXXX XXXX XXXX This debt collector engaged in abusive, deceptive, and unfair threatening practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I didnt participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm Entitled to {$1000.00} dollars per violation and clearly they violated my rights.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

{$4000.00}
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Experian also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A bank of America card is showing up on my credit report for over {$500.00} and shoes its late and negatively impacting my credit report. I have never opened a credit card with BofA. Or have a account with them.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax Information Services stated on XXXX XXXX report ( XXXX ) that the account XXXX account # ( XXXX ) was not reporting on the file. Equifax Information Services, also continue to report a XXXXXXXX XXXX XXXX ( XXXX ) which was removed and reinserted back onto the file. I provided an FTC Statement that verified that I was a victim of identity theft on XX/XX/2023. According to a report from XXXX XXXX, the account is still listed on the credit file. Also, Equifax Information Services stated that the inquiries from XXXXXXXX XXXX have been removed, however according to the attached XXXX XXXX report these inquires have not been removed. Equifax Information Services has not done a proper investigation, according to the FCRA 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report. 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 about whom the report relates. Equifax Information Services has violated the FCRA 15 US Code 1681e, the right to an accurate credit report. I will be submitting a notice of intent regarding the accounts that Equifax Information Services maintained under my social security number.
Consumer complaint received 2023-08-30
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. (FL)

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 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (CT)

Mohela loan repayment was set to begin in XX/XX/2023. I used the app feature to message on XX/XX/2023 of writing in to change my due date from the beginning of the month to the end of the month. I received no response so I decided to call. When speaking to the representative, they reported that they would change my due date and that I wouldnt have to worry about making a payment until XXXX. I was relieved and appreciative. I followed up in the app to ensure it was also updated, at which time I received notification that my loans went into forbearance until XXXX. I was grateful for how things had worked out because I am struggling with debt. I checked in XXXX and their status was still in forbearance until XX/XX/2023, only to find out yesterday that they have reported non-payment on my credit!!!! This is unacceptable! I would have found a way to pay my loans to not affect my credit score if they had not lied about changes to my due date and forbearance status. I am being crushed by this debt and now my credit score has to suffer. I need help navigating where to go from here, I will not recover from this as it continues to accumulate.
Consumer complaint received 2023-12-27
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. (GA)

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/XXXX XXXX XXXX letting them know I am a victim of identity theft and that multiple accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XXXX XXXX XXXX  letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/XXXX XXXX XXXX notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

The credit bureau Equifax is showing the incorrect credit score on my report. They are also showing the incorrect name on my equifax report. The correct name should be XXXX XXXX XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (WA)

I have a collection company that placed XXXX items on my credit report for collections. I made a request on XX/XX/23 through XXXX XXXX with XXXX for verification as the debts are unknown. I do not see how it's possible for a legitimate verification of debt within XXXX hours.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (IL)

The last several years PNC Bank has charged me thousands of dollars for NSF funds. Recently I discovered year to date of approximately {$750.00} in fees for NSF. On or about XX/XX/XXXX PNC announced no longer charging customers fees when funds are deposited within 24 hours. 
On or about XXXX XXXX XXXX  I spoke w a representative regarding the fees- {$36.00} was refunded and was told, a supervisor would contact me-never received a call back -On or about XX/XX/XXXX reviewed my account was overdrawn by approximately {$17.00}. Deposited via XXXX at XXXX ( prior to deposit no fees were added ) leaving the account positive balance -On or about XX/XX/XXXX account was charged {$36.00} fee I called spoke w representative XXXX-was told computer was down, call back-spoke with XXXX again system down -On or about XXXX spoke with XXXX I was told my checking account was never enrolled in low balance virtual wallet refused to refund feesas per XXXX the system doesnt recognize any deposits after XXXX refused to return funds I have over {$750.00} worth of fees while PNC received BILLIONS of PPP loans from taxes as well as PNC committed fraud/deceptive practices by failing to stop NSF Fees but instead changed the wording to overdraft fees
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$25000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed {$720.00}.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. ()

I have experienced a case of an Identity Theft - my Experian account was stolen and I can not regain access to the account due to the discriminatory processes set up by Experian. 

XXXX. My account was stolen on XX/XX/2023. Somebody created an account with Experian, updated my mailing address, Email and phone connected to my SSN. They attempted to open a credit card with XXXX. 
XXXX. I was able to track this activity, notified the credit bureaus, filed the report with FTC, contacted XXXX to stop the issue of the credit card. Regained access to my accounts with XXXX and XXXX. 
XXXX. Since then, I wasn't able to regain access to Experian account : a. The people who updated my personal information have changed the security questions and contact information- Experian continues to send password information to those fake Email address and the phone number. 
b. Experian is asking some additional questions about the credit history and it seems like I don't get some of them correctly, since those might have been modified by the thieves since the questions rely on some address history, people who lived at the address, and the phone number - I can't know what information they put into my account. 
c. Finally, Experian leaves an option to send them my utility bills from my address to confirm my identity ( along with other documents ), however, I can't do that since I didn't pay for my utilities ( those were paid by the landlord ). 
All of that leaves me out of options and with no way to reclaim my Experian account. I have spent at least XXXX hours on the phone with their customer support and they haven't been helpful. This is frustrating and I haven't had such issues with other credit bureaus.
Consumer complaint received 2023-03-12
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: Convergent Resources, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A 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 2023-12-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NJ)

I asked my aunt to help me procure a loan for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She had used Sallie Mae so she said let 's try them. No one explained to either one of us that we could not change the terms of the loan at any time. She chose the lowest interest rate but didn't realize that meant I would have to pay {$200.00} every month, which I can't afford and she can't either because she has XXXX children with XXXX XXXX and company lay offs. I was going to offer to try to pay something each month but they said it has to be {$200.00} and I can't even afford food right now since I was unable to find a job that would pay much with the course load I have in my XXXX XXXX I am the first of XXXX kids to go to XXXX- my parents didn't go and are on section XXXX and I formerly spent time in XXXX XXXX... .there is really no one I can turn to. My aunt tried to help but now I'm worried I will have ruined credit before I even get a job as a XXXX XXXX XXXXXXXX XXXX I explained this to them and asked is there anything they can do to help me and they said no. The repayment was deferred for 2 months and now they want {$400.00} immediately. What can I do to avoid what this woman XXXX ( XXXX XXXX ) told me was " very bad things where you will have bad credit and they will put leins on you and any wages you make ''?
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

On XX/XX/2023, I received a letter from Mohela stating my federal student loans have been forgiven 100 %. The forgiveness letter states it is retroactive to XX/XX/2023. 
I have requested information about when it would be reported to the credit bureaus every month since. 
After the first of the month, since XXXX, I am given different information from Mohela. In XXXX I was told the credit bureaus would be notified after XX/XX/XXXX. In XXXX, I was told the credit bureaus would be notified within 60 days. In XXXX, I was told the credit bureaus would be notified after 90 days. In XXXX, I was told the credit bureaus would notified after 90 days and that my balance wasn't updated in their system until XX/XX/2023. This is completely contrary to the letter I have on filed dated XX/XX/2023. 
I am filing a complaint against Mohela for not updating the credit bureaus in the change of the balance owed to Mohela and my federal student loans. 
For inconsistent information and an incorrect date on file. I have spoken to them numerous times and they refuse to transfer me to a supervisor or provide an explanation in the difference in the changes of the dates or length of times to report to the credit bureaus. 
I want consistency and to know why it hasn't been reported to the credit bureaus yet. Thank you.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

When I want, the problem is when I went to buy the car the car had almost XXXX miles on it. They told me they were going to give me the car for {$50000.00}. I gave {$3000.00} down payment and they went through all the contracts and everything I signed whatever I had signed, but I never received the contract, when my first payment came supposedly I was going to pay {$700.00}. My first bill came to {$1200.00} so I called them and I said there's something wrong and they said no this is what we have. This is what you have to pay you have gap insurance you have this you have done this this, I said I didn't want none of that and I called to see when I was going to receive my contract, when I receive my contract I see that they charge me XXXX for the car XXXX not the XXXX that's the problem I'm having you know I have been paying the car and trying to get this fixed with them but they say they can't fix this if I am giving the car, my credit will be affected. I will have a repo and things like that so I don't wan na mess up my credit so I need help and I don't know what to do