davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I work on-call for a XXXX every two weeks, for two weeks at a time. I missed a single payment and they keep calling my phone 6-7 times per DAY.

I communicated to them multiple times that this is my work number every two weeks, and provided to them my specific schedule for when this is not my work phone number. I also told them during weekdays, this is my work number until XXXX. 

From what I understand, debt collectors can call you up to 7 times per week, not 7 times a day. I called them to submit a complaint, and to ask them to stop calling me and to stop the disruption the XXXX of the patients at the XXXX  I am employed at during these hours. They have not complied. 

The person I spoke to said they are legally allowed to call me up to 7 times per day. I spoke with a supervisor there and she kept talking over me and not letting me speak, and kept reinforcing that they are allowed to repeatedly call me on my work phone number. 

When I looked up this information, what I found did not align with what she said. She also implied that in the state she lives, Delaware, is close to Pennsylvania, therefore the laws are the same, according to her.
Consumer complaint received 2023-08-24
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-24
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 XXXX has violated my rights. Account Number started in XXXX. 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 an account without my written instruction. under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX These 2 collection companies are trying to collect a debt that I do not recognize to be accurate. I have disputed it several times as inaccurate and have requested them to validate the debt by forwarding me the original creditor & contract, the account number, the original amount owed, date of first delinquency, and the payment history with authorizing signatures. To date, none of this information has been provided ; however, this info has been verified as accurate on my credit report. It is reported by a couple bureaus, but the dates are inconsistent. Therefore, I do not believe the credit bureaus are completing the proper investigation and are violating my rights under the FCRA.
Consumer complaint received 2023-08-24
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)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (ME)

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 name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : 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 2023-08-24
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2023-08-24
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. (GA)

I am doing a submission of complaint today for 12th time as a follow up regarding the dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit reports. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. Once again, these fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. And I have already provided all necessary documentation to establish the fraudulent nature of these items. I even have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. I once again demand to the XXXX, Equifax and XXXX Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I cancelled my XXXX membership in XXXX because I never really found it useful and the yearly fee of {$56.00} I was charged by Comenity was credited back to me. Unfortunately it was credited to another of my credit cards, not to Comenity. So when this was realized, I made the payment to Comenity along with late fees etc. i wrote the check for {$120.00} on XX/XX/XXXX and mailed it the same day. It was not due until XXXX. I also closed my credit card with them. They say they didnt receive the payment until XX/XX/XXXX. Since then I have received 2 more bills and am now up to a balance of {$82.00}. They say they can do nothing about it because I closed my account with them. I have never used their credit card and it is turning into quite an expense for someone elderly and on a fixed income. 
My account information : acct number ending in XXXX. 

Per Comenity : As you requested, we have closed your credit card account. A monthly billing statement will be sent to you until the balance is paid in full. You do not have any available credit due to your account being closed. 
I do not owe them late fees. This is an injustice to me.I would like it cleared up and a statement sent to me with a XXXX balance due.
Consumer complaint received 2023-08-24
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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. (MD)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

The problem is- Barclays cashed a payment check in amount of {$170.00} and did not credit the account. They have also ignored communication asking them to apply the credit. Essentially, they cashed the check and kept the money. 

In case Barclays responds with we credited the account for {$170.00} I want to clarify something please. XXXX payments of {$170.00} were made. XXXX were electronic via the Barclays website. The third was a check. The XXXX electronic transactions went through as expected, on XX/XX/XXXX and XXXXXXXX XXXX. The third ( the check ) was cashed by Barclays on XX/XX/XXXX but not applied to the account. 

If that is all the information you need you may stop reading. : - ) However, here is further background in case it is relevant This is the third time something like this has happened with Barclays! It can no longer be called a coincidence. I am concerned that this could be happening to other customers too, who might end up paying Barclays twice. I know thats what would have happened with my elderly mother. ( She is the primary on the account and I am an authorized user. ) She would have sent a second check for {$170.00}. However I am assisting her affairs now so I was able to catch it. 

Similarly to the recent missing {$170.00}, the other XXXX times this happened a check was cashed but then the money seemed to disappear. Both times it was difficult and stressful getting Barclays to finally acknowledge the checks and credit the account. Were talking persistence being required. Phone calls and letters and waiting more phone calls and letters ( that they would say they never received ) and more waiting. My XXXX XXXX XXXX mother had to be involved in making some of these phone calls before it could finally be resolved. 

( I should add that the phone number, address of where to send correspondence regarding errors as well as the fax number were accurately obtained from the bill itself. ) Alas, after the first XXXX problems with Barclays, my mom insisted on sticking with them so she could keep on earn points. Which brings us to the recent missing {$170.00} Over the past XXXX month I have sent XXXX faxes, each with images of the cashed check and a request to please credit the account. Barclays has not responded. This time around I wanted to avoid the phone calls and letters because previously those methods sent me in time consuming frustrating circles. 

An additional aspect of this problem is that I think it is unfair to put an elderly woman in a situation where she is expected to navigate complexities in order to get her payment credited. I see this as perpetrating financial fraud against an elderly person, or anyone for that matter. 

Thank you.
Consumer complaint received 2023-08-24
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. (NC)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-24
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. (FL)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX XXXXBalance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$220.00} XXXX XXXX XXXX XXXX XXXX Owed : {$420.00} ; XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$310.00}.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION (MO)

Navy Federal is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), which protects me from discrimination in any aspect of a credit transaction such as an increase in credit limit. 
They refuse to grant credit in a substantial amount or on substantially the terms requested in my application or not even making a counteroffer to grant credit in a different amount. The application for credit and their refusal to extend the limit is an adverse action. 
By 15 U.S. Code 1602, The term creditor refers only to a person who regularly extends consumer credit ( my social security number ). The term creditor refers only to a person, The term person means a natural person or an organization
Consumer complaint received 2022-11-29
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I sent a letter regarding fraudulent and unknown inquiries on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and may have gotten compromised.
Consumer complaint received 2023-08-23
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. (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. Account name : 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 2023-08-23
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. (CA)

I have reached out to XXXX many times to complain and to remove 3 inquires that i did not authorise and still have not done anything or removed them.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

The reporting of such inaccurate information has caused server damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 15 U.S. Code 1681s-S - responsibilities of furnishers of information to consumer reporting agencies. You are prohibited by law to furnish inaccurate information. I demand you to CEASE & DESIST the reporting of incorrect/inaccurate information immediately.
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: EQUIFAX, INC. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 






XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Incorrect address : XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted MULTIPLE times to access my credit report/freeze credit function on Transunions website. It did not accept my email/password combo so i attempted several times to request a new password .... it does not sent a text to my phone nor my email to allow me to reset my password. I tried calling and only a bot MENU is provided and it WILL NOT connect me to a HUMAN BEING in order to correct this. Extremely frustrating ... no options. I'm i a loop that I CAN NOT get out of without their help but I cant get help!!!! This is one of 3 MAJOR credit union protection companies and I was instructed to contact each one to put a freeze / remove a freeze on my account and I can not. 
I tried looking on their website for any contact info and the only phone # posted puts me right back into the same loop and bot menu. Unbelievable!