davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$860.00} XXXX XX/XX/XXXX {$660.00} XXXX  XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX XX/XX/XXXX {$620.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$160.00} XXXX  XXXX XX/XX/XXXX {$82.00} XXXX & XXXX XX/XX/XXXX {$770.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-20
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. (FL)

I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (TX)

There are accounts currently being furnished on my credit report without my written authorization or consent. 
Pursuant 15 USC 1681 ( a ) ( 4 ), I have a RIGHT TO PRIVACY as a consumer.

Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), I have the right to have these items EXCLUDED from my credit report as I was NEVER given an opportunity to direct that this information be excluded from my credit report.

Pursuant 15 USC 1681b ( a ) ( 2 ), A consumer reporting agency MUST have my WRITTEN consent to furnish an account using my personal identifying information.I never gave EQUIFAX WRITTEN CONSENT to furnish any of these accounts.

Federal LAW overrides any company policy. Therefore, I am enforcing my federally protected rights as a consumer to have the following accounts removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-12-20
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: EQUIFAX, 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. 

Account XXXX, XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account name XXXX XXXX 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 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 2022-11-30
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX, am a Victim of identity theft. I was unaware of and did not give consent or authorization for the following credit transactions. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed EXPERIAN, XXXX, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: United Student Aid (USA) Funds (MA)

Since around XX/XX/XXXX, I have probably received well over XXXX phone calls for people trying to collect an XXXX bill for a XXXX. I am not that person. 

I have filed well over XXXX complaints with the Federal Bureau of Investigation regarding the hanus crime of robo calling. you guessed it they used a f'in machine to call my house. I would argue the volume of calls violates the Fair Debt Collection Practices Act, and every single call violates the Telephone Protection Act of 1991. 

Recently I was mailed a complete list of every single payment or wage garnishment XXXX has made including his XXXX contract i am thinking that must violate some type of privacy law. 

XXXX has never lived with me, nor have I ever met the guy, but I think he gets more mail to my home than i do. 

I do indeed owe Federal Student Loans I get enough robo calls about my own XXXX loan. Never mind this guys.
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (FL)

Theres a total of 3 inquiries on my EQUIFAX credit report that I did not authorize. The first inquiry is from XXXX on XX/XX/XXXX, the second inquiry was on XXXX XXXX on XX/XX/XXXX, the third inquiry XXXX XXXX  on XX/XX/XXXX. I've contacted all 3 financial institutes with no resolution to the issue.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, 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 : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-12-20
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. (GA)

The reason for this, is to dispute all 16 an unauthorized inquiries on my credit report for the 4th times that are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I made an overpayment to my Citi card ending with XXXX on XX/XX/XXXX, so I contacted Citi on XX/XX/XXXX to request a refund for this overpayment via ACH to my checking account on file with Citi. 

I was told it would take 3-5 business days to process it. 


I did not get it so I contacted Citi again on XX/XX/XXXX, and I was told the refund would be initiated on XX/XX/XXXX, and I need to wait another 3 business days. 

I have done this ACH refund before and I know it usually won't take that long. I checked with Citi on XX/XX/XXXX, and I was told to wait for 3 business days. So I checked my checking account on XX/XX/XXXX, I still did not get the refund. I contacted citi again, and I was assured that I would get it on XX/XX/XXXX XXXX. 

On XX/XX/XXXX, i do not get the refund. I contacted Citi and I spoke with a supervisor about this issue. I was told that the refund request is still under review before it could be processed. I asked how long it would take for the review to be completed, but I was never given any definite information. 

On XX/XX/XXXX, I was told that Citi declined my request to refund my overpayment. 

I do not understand why Citi would not refund my overpayment since this is my money.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: National Recoveries, Inc. (OH)

I lost my job and signed up at the XXXX XXXX XXXX. they had me in class the next day. I XXXX made about $ XXXX year income. I was receiving grants. I got to XXXX. Then I had a XXXX. I had a XXXX 9 months earlier. I had a XXXX. I did not have stamina to continue financially. They would n't give me time off until I was better withdrew me and told me that I had no more grant money. I did pay about {$250.00} a month on my student loan. I called once to tell them I was gon na be late. They told me that I did n't make enough money to pay them. so they put me on defer ments. you have to understand I basicly worked XXXX jobs. I signed to consolidate a couple times with a reasonable amount I could pay {$110.00} a month. then the payments went up to a XXXX a month. I quit. that was 20 years ago Now 14 years at my job and 20 years later they are garnishing my wages for 15 % of my disposable income. Now i make less than XXXX and and they say i owe them a {$120000.00}. I heard the school got sued. they closed and the building does n't even exist anymore. but i am stuck with a loan i can not po possible pay back and no great job to support myself. I in my core do not i should be victimized like this. On my credit report is says closed with a XXXX balance. I am XXXX years old. worked hard for my little bit of money all my life.
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AL)

I took out a title loan, I kept reborrowing, I thought the large payments of around XXXX were gon na go towards principle. It's all interest. If you pay before the maturity date, it only pushes your payment back.I fell on hard times when I had a loss of income.It was a really desperate decision. I feel trapped.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, 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 bureaus are reporting my credit score as a XXXX. I have paid all outstanding items on my credit report as of XX/XX/2022. Instead of my score increasing to accurately report the fully paid debts, my score was dropped from around XXXX to a XXXX. Per the credit bureaus, my score can not go below a XXXX. I did not have extensive debt reporting, repossessions, bankruptcies, liens or foreclosures. When I called the agencies requesting immediate remediation, I was advised that there was nothing that could be done, but, a supervisor would return my call and my complaint would be escalated. I have received no response to date. This score is incorrect/inaccurate and has caused personal harm and hardship. The agencys are also reporting this to parties requesting credit worthiness information causing declined credit applications, denied rental applications etc. 
This is illegal and in violation of FCRA.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I set up financial relief payments XXXX of 2023 for two credit cards with Bank Of America. I also provided new banking information during this set up. On the day the two payment should have been taken out, I was informed that they did not go through. BOA used my prior banking info saved from over a year ago instead of the new account info.

I provided the same correct banking info that I previously provided and the payment went through the next day. Day after this, both cards were reported late on my credit report. ( 1st late payment in over a decade due to their error ).

I then called to discuss this. A rep that was very short and rude assisted me. I requested to delete the payment arrangements made and take my billing info out of their system because of this issue.

While this was done, Bank Of America took it upon themselves to close both of my accounts without approval, authorization and did not inform me this would happen whatsoever.

Thanks to Bank of America, my credit tanked and I am now in an irreversible situation all because of 2 reps that 1- used wrong banking info and 2-closed my accounts without ensuring I would be made aware this would happen.

This is not only bad business but internal credit fraud in my opinion. A Bank of America rep should not have the power to affect peoples lives without their consent or acknowledgement like this. In no way shape or form would I have closed my accounts if I knew deleting an arrangement that I requested be set up would close my account. I set up this arrangement to avoid late reporting to credit agencies and did everything correct to avoid this, and that did not work. I have no idea why you can take a payment from a consumer and report them late the next day, as if your systems don't talk to each other.

I have no idea what can be done at this point but I expect a call back from someone and will be escalating this to everyone necessary. Thank you in advance for your help. If this email can avoid another one of your customers lives to not be tampered with unfairly and without their consent, then I will be happy. If my attempt to relay this awful situation to you can help to reprimand the rep that failed your company and me as a customer, again I will be happy to know I've helped someone else before BOA had their chance to destroy their credit and livelihood without concent. 

I am requesting the call before last be reviewed for quality assurance and future BOA rep training. Your reps need to act more professionally with customers and this kind of thing should never happen to someone in need of a little help from you.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (CA)

Hello, My name is XXXX XXXX XXXX. I have a problem with my credit report credit bureau showed a report with the wrong name and phone number and the wrong address also there is a XXXX credit card account that is not mine but they showing on my credit report. I don't know what to do this makes me really bad with my credit. it's going to be really bad cause they showing me the wrong information on my credit report. please help me I don't know what to do. please help me. I feel very sad and bad. why someone's credit is on my report? Please help me to remove it. please help me. Please fix this. Thank you.