davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (SC)

After Hurricane florence hit the carolinas I called in to see about putting my payments on hold since I was out of work for a week and two days. During this time I also was behind on my payments but I have been making monthly payments, I have submitted a number of documents supporting my income and my cosigner we both are barely making ends meet and im actually trying to make payments and basically I was told that until i'm homeless and hungry they don't care how I make the payments they just need to be paid. After calling and calling I was transferred to the executive office and spoke to a rep who said she would help and of course I had to keep calling because no one followed up, after calling several times being transferred another 7 times, I was told that no one there no could help so I asked for a supervisor at first the manger was at the desk and after the transfer magically he disappeared, and then the answer was o now they have moved on to a meeting. This is the worst COMPANY to ever do BUSINESS with. I Have never seen a student loan company soooooo bad I wish I wouldve never taken this loan out ...
Consumer complaint received 2023-02-13
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. (MI)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX  Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed : XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CA)

I am on XXXX serving in the XXXX. In XX/XX/2016 I asked Barclaycard to apply SCRA benefits to my Luxury Gold Card account. They said yes, saying in a letter that " While you 're on XXXX, the following terms apply ... : The APR for all balances have been lowered to 0.0 %, All fees, including annual fees, will be waived. '' I have a large balance on the card now because of this, and Barclaycard just notified me that they would start charging me the {$990.00} annual fee. I believe that they are violating the promise that they made me to keep my fees and APR at 0 while I remain on XXXX.
Consumer complaint received 2023-01-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XXXX XXXX I sent a letter to the XXXX XXXX XXXX via certified XXXX tracking numbers XXXX, XXXX which was received on XX/XX/2022 at each location. When I called the agency I was told no letter has been received. I know the XXXX XXXX XXXX is accurate which leads me to believe the credit reporting agencies are failing to comply with my request. I have inaccurate information reporting on my report that is illegal per the IRS. I would hate for the company to find themselves in more legal issues for allowing this to be reporting when it is a violation of the fair credit reporting act. 
I have inaccurate accounts still being reported on my consumer report that this company has failed to delete as it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. Remove this information from my consumer reports immediately. Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-12-21
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. (TX)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-05
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (FL)

XXXX report me to owe {$850.00} for Medical services on XX/XX/2016. 
I paid them by check the remainded balance for copayment. 
Now they send me into Collection Agency ( Central Financial Contro ). 
I demand an investigation in this matter because the omongus amount that they try to collect from me when I fullfiil my copayment out of my medical insuren ( XXXX ).
Consumer complaint received 2024-03-27
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. (VA)

I am filing a formal complaint against Equifax and XXXX in regards to my rent not being reported to my credit report. Ive been in constant communications with XXXX XXXX  and I agreed to them reporting my previous XXXX year transaction history of rent being on time to Equifax and XXXX, but to this day, nothing has been updated on my credit report, so I would like to know why is this information being held from my credit report. I tried to correct this online through the different credit agencies website but its limited, I can only dispute information thats currently on my report. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed here by Equifax and XXXX. The Fair Credit Reporting Act ( FCRA ) protects against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the ( FCRA ), it can cause lower credit scores, denials of credit, higher interest rates on loans and credit extensions, and more. I know there is currently a lawsuit against XXXX for failure to ensure the accuracy of tenant screening reports and thats exactly whats going on here.
Consumer complaint received 2022-11-25
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. (OK)

In accordance with the fair credit reporting act XXXX XXXX XXXX  acct XXXX and XXXX XXXX acct 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, also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently been informed that there is negative information reported by TransUnion, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. TransUnion did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.
Consumer complaint received 2023-05-13
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-12
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. (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX Allegedly {$10000.00} high balance. Allegedly Balance owed {$10000.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Consumer complaint received 2023-05-13
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX I sent a letter to the XXXX XXXX XXXX via certified XXXX tracking numbers XXXX, XXXX which was received on XX/XX/2022 at each location. When I called the agency I was told no letter has been received. I know the XXXX XXXX XXXX is accurate which leads me to believe the credit reporting agencies are failing to comply with my request. I have inaccurate information reporting on my report that is illegal per the IRS. I would hate for the company to find themselves in more legal issues for allowing this to be reporting when it is a violation of the fair credit reporting act. 
I have inaccurate accounts still being reported on my consumer report that this company has failed to delete as it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. Remove this information from my consumer reports immediately. Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2017-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc. (FL)

XXXX / XXXX /  XXXX   Received calls at  XXXX   XXXX  EST and  XXXX   XXXX  from  XXXX . No message left. I am inundated with telemarketers and scams ( and have had several credit card compromises  )  so I rarely answer an unknown call and always look the number up online. I found several comments indicating this was  ARA Recovery  and they were either trying to collect an old debt or and IRS scam. I blocked the number  XXXX / XXXX /  XXXX   Received a call at  XXXX  from  XXXX . No message left. I looked it up and similar comments -  ARA Recovery. I  blocked the call. I bet I 'll get another call from a different number later today or tomorrow.
Consumer complaint received 2023-10-14
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

Please excuse any typos Im dictating this on my XXXX. Ive got XXXX. XXXX XXXX XXXX XXXX and I cant type very well my XXXX. 
Im about to Im about to purchase about {$10000.00} in new furniture for Macys in the past Ive like doing business with them because they have a good selection, good financing terms, and their sales people are generally very good, my latest experience is much much worse. I cant get a straight answer on promotional terms. I cant get a straight answer on what my credit limit is. Can you get a straight answer on delivery I get emails every day about delivering furniture that was supposed not supposed to be delivered till all of the furniture came in The sales people seem insular to these issues and dont want to solve them blame them on Macys them selves and asked me STS to call customer service which is totally unhelpful. You cant understand most of them. They dont speak English very well. Ive done business in the technology sector for 40 years globally, and I understand accents from just about every country in the world and I cant understand these people are working in the US for Macys in the customer service department there. Totally understandable insular dont care of the customer cant understand them dont provide a solution dont even say oh Ill get somebody else to talk to you they just transfer you another number so you can start all over again with somebody else. He doesnt speak very good English. The whole experience has been very, very frustrating, but my main issue is they are not revealing the terms and making it very difficult to find out what the terms are and they need to hide the word customers like myself. How can I turn down a {$10000.00} purchase when youre practically bankrupt. This company is very broken. Your Board of Directors needs to be revamped and people with real customer service experience put on it. I repeat from my last complaint button where you asked to publish. This does not work properly. I have a new XXXX. I keep pressing the button and nothing happens. Fix this problem. Its your website problem its not XXXX problem. Do you have a Customerservice problem yourself fix it?
Consumer complaint received 2022-11-14
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. (WI)

The XXXX major credit bureaus are reporting false information about me and my financial status. There are multiple inaccuracies that need to be removed from my report as they do not belong to me. The following is a list of companies and the inaccurate information. 

XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 
XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account does not belong to me ) XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXXXXXX XXXX XXXX  XX/XX/1922 ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) EQUIFAX MORTAGE SERVIXXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ).
Consumer complaint received 2023-09-28
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)

I am a victim of Identity theft. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my profile that need to be removed immediately.
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I'm getting harrassed daily by Credence Resource Management, located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and ( XXXX ) XXXX. Anywhere between 5 - 10 phone calls a day. 

They will not stop contacting me even though I've tried to explain that I am not the person they are looking for, nor is the phone number ( my phone number ) registered to the person they claim to be looking for. This has been ongoing for quite some time, so we're talking about hundreds of phone calls.
Consumer complaint received 2023-05-13
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Ever since I filed a prior complaint against Citizens bank, I've suddenly been denied access to their online banking platform. Even if I enter my personal information and account # or go through all steps to recover my account it will not allow it after several attempts, today I called customer service XX/XX/23 they told they me they couldn't unlock my online banking after waiting 30 minutes to speaking with them, then after an additional hold and transfer to the online banking and fraud department, I was told that they couldn't unlock my account and I was told, " am I sure I'd like to be transferred to the department who put the block on my account? ", I replied yes then I was put on hold for another 30 minutes with no reconnection, I'd like the CFPB to get to the bottom of why they can't re-establish / unblock my online banking, and who put this block on my account and why. This is the worst operating bank I have dealt with by an extremely large margin.