davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
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. (MN)

I Need to file a complaint on Equifax 8 times I have asked them to investigate credit inquires on my Equifax credit report they have refused to investigate the items listed below. they asked me to contact the companies below I did so and they failed to respond back to me Per the FCRA Equifax has 30 days to investigate if this issue is not resolved by Equifax I will file a lawsuit 
  XXXX   XXXX   XXXX   DATE   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX  
IF YOU ARE UNABLE TO PROVIDE THE INFO THAT I'm asking for please remove these authorize inquires   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   
  XXXX   MN  XXXX 
 XX/XX/XXXX 
Social Security #  XXXX 

Equifax   XXXX   XXXX   XXXX    
Dear Credit Bureau Representative:

	I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is (1) a firm offer of credit, (2) insurance, (3) an application for employment, or (4) a court order.

	The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act.

1.
Consumer complaint received 2024-04-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

I do not owe anything related to this account. Last payment towards this account was made in XXXX of this year ( I have receipt of when the money was deducted in my account ), and so I have no further obligations. But this company still went ahead and recently added to my credit report that I owe {$830.00}.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax stated they verified the bankruptcy as accurate how is this possible when XXXX stated the information was indeed inaccurate and deleted the information from their records. I also called the bankruptcy court and they stated they did not verify this information so I am requesting that you provide the documents that you used to verify this information.
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I purchased an item over XXXX years ago. The promotion was no interest accrued for 24 months and any balance left would be charged at an interest rate of the stated range ( I believe XXXX to XXXX ). I asked the staff for confirmation and they confirmed that there was no interest charge until after the promotion ended, then the interest would accrue. 

XXXX. I was charged the full amount for the purchased price with interest accrued for the full XXXX period. 
XXXX. When I called XXXX to dispute the charge, they said I had to call CITI Bank. I tried to call CITI for months until I got a hold of someone, just to tell me they don't hold any of my info or accounts, it all ran through Best Buy. 
XXXX. I had been trying to call CITI but when I finally got to them they said I didn't exist XXXX. When I finally got to the department associated with the accounts, they said its to late to do anything.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (WA)

On  XXXX / XXXX /  XXXX   I contacte d Ability Recovery Services LLC. in a n attempt to settle a debt that was outstanding on my credit report. When I called the first time I spoke with a gentleman that offered me a 15 % discount off of the original amount owing. I informed him that I was unable to pay that amount and asked if there was any better offer he could come up with. He informed me that the best he could offer was the 15 %. That ended our conversation. Less tha n 5 minute s after the original conversation ended I was called b y Ability Recovery Services LLC.   and spoke to a female representative. She informed me that the original person I had spoken with was not the account manager on this particular account, and that she was authorized to make me a 50 % discounted settlement on the account. At that point I informed her that I could make that payment as soon as I received a letter stating the terms of our agreement. She informed me that she was located in Pennsylvania and that " preemptive letters '' were illegal in that State. I told her I would figure some things out and get back to her, and our call ended. On  XXXX / XXXX /  XXXX   I was called on my cellular phone b y Ability Recovery Services LLC. bu t was unable to answer because I was at work. On  XXXX / XXXX /  XXXX   I called again. I was run through a recorded prompt. I talked to the same female as previously and asked again for a settlement letter. Once again the female representative explained that they do not send out " preemptive letters '' and that I was on a recorded line and that was good enough. I explained that I would not be making any payments until I received a settlement offer in writing. She said she would send me a bill and that is where the conversation ended. On  XXXX / XXXX /  XXXX   I call ed Ability Recover Services Again, Talked to   the same representative again and was once again told that they will not send preemptive letters out, and that in fact it was illegal for them to do so. At that time our conversation was over
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2017-05-17
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: ALLY FINANCIAL INC. (FL)

I have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES : * ALL Y FINANCIALS  -  XXXX  and  XXXX    XXXX   AUTO FINANCING *  XXXX   XXXX   XXXX   XXXX  and  XXXX    XXXX   AUTO FINANCING *   XXXX   XXXX     -  XXXX  and  XXXX    XXXX   AUTO FINANCIN G *    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX    XXXX   AUTO FINANCING PAID-OFF/DUPLICATE COLLECTIONS - AGENCY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    *   XXXX   XXXX   XXXX   XXXX   -   XXXX   XXXX
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX   shows medical bills unpaid that should not effect my FICO score   XXXX    dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally  XXXX  should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by  XXXX  and they continue to ignore my request!
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

I am writing you to file a complaint against PNC. I was given your info by the Federal Reserve Consumer Help. On XX/XX/XXXX I drafted a personal check and deposited into my wifes SECU account. PNC released the funds to my wifes SECU account, and she was able to use the funds from her account. On XX/XX/XXXX PNC went into her SECU account and deducted all the funds that I deposited in the amount of {$5000.00}. My wife notified me about this, and I immediately went to PNC ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) to discuss this. The female representative at the front desk with PNC reported that the check looked suspicious, because it wasnt the typical amount I would write a check up for. She also reported that they wouldnt pay for the overdraft fee that my wife accrued in the amount of {$25.00}. Shockingly, I had to get a cashiers check and pay {$5.00} for a biased decision that PNC made without even calling me or writing me to verify if this deposit was accurate. I am filing a complaint against PNC. I would like my wife to receive her overdraft fee back and {$5.00} to be returned to me for the cashiers check I was forced to get from PNC.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

There a re   XXXX   compan ies reporting a delinquent account that originated with a 60 month loan with  XXXX  that was secured by a vehicle. T he Loan was  originated on   XX/XX/XXXX   for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX  . I paid this loan as agreed until Approximately   XX/XX/XXXX  when the loan was transferred to   XXXX   XXXX   for servicing. I was notified by    XXXX   XXXX  that my balance was still {$13000.00} after I had been paying my payments since   XX/XX/XXXX    ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  which I refused via fax on  XX/XX/XXXX  and asked them to come and pic k up the car that the loan was secured on.      XXXX   XXXX  then transferred the Loan to  XXXX   XXXX  who also tried to collect before selling the account to LVNV funding. I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by  XXXX   XXXX   XXXX  for the loan which was originated with  XXXX  as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports  by LVNV Funding  in the amount of {$13000.00} which again was originated with  XXXX . My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Lett er ) ; comple tely different than the Original Note ( Shown on the  XXXX   Loan Origination Note ) Th e   XXXX   XXXX    Welcome letter does however reflect the correct  XXXX  Loan/Account number and corresponding  XXXX   XXXX  account number, which is then referenced by  XXXX   XXXX  an d LVNV  Funding. I will also include a letter from  XXXX  stating that they no longer have any of the documents of my real estate loan that was originated with t hem ( it was actu ally a 60 month vehicle loan that originated on   XX/XX/XXXX  ) s  o t hey will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the Loan that was Originated with  XXXX  be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (CA)

I lost my job, called my credit card company and was offered reduced I interest and payments online for XXXX  months. I am planning on closing all my other credit cards and keeping this one until I get on my feet again. Shockingly I discovered my account had been closed. I reached out to the company and they said that that was part of the terms and conditions of the payment program. And that I was informed of this. I was never informed of this. I never wouldve agreed to it had I known that that was the terms and conditions because as I mentioned, I was planning on keeping only this card. Furthermore, they said they mailed me a letter its been XXXX  days since I made the arrangement I have received no letter whatsoever. I have called and asked them to reinstate my account and that was XXXX days ago. I just found out today that the person that I spoke to on that day said that they had submitted a claim or a request in my on my behalf and they actually never did anything. The woman I spoke to today submitted a claim and gave me a case number, but this is just XXXX doing everything that XXXX supposed to be doing in this situation trying to do the right thing and this company just keeps lying to me and Is being disingenuous, saying that I was read terms and conditions that I was not and I really need help
Consumer complaint received 2024-03-21
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. (LA)

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 : Account XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Upgrade, Inc. (IL)

Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be reinvestigated. 


I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger V. Transunion 2:95-cv-06445 ( C.D. Cali. No. 14, XXXX, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX  as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I took the time out t call and reach out to XXXX  XXXX, and Transunion requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers. 

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 2017-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

I ha ve a Target store c ard that I charge to infrequently and earlier this year had a balance that I thought I paid off. However, because they charged me  a (  very high {$38.00}  ) lat e fee, I still owed them a small amount of money ( which was really a leftover piece of a late fee of a few dollars ) that I was not aware of. They then charged me a late fee on top of that and another one on top of that and so on so basically what they are doing is continuing to charge me late fees for not paying late fees that I do n't agree with. I called them on Monday,     XX/XX/XXXX  t o discuss because I could n't figure out what was going on ( they have/had my name spelled completely incorrectly so not sure I was getting every bill and on the bills I had I could n't figure out what I had charged that caused me to owe them anything and I had n't been to the store in some time ). When they explained that they were basically charging me late fee upon late fee upon late fee with no underlying overdue balance, I told them I thought that was not reasonable and asked them to waive some of the charges. They refused to waive any of the charges so I told them to cancel my card. They said they could not cancel charges, which is n't true. They cancelled my card/account but told me they would continue to charge me late fees upon late fees if I did not pay the balance by the due date, which is   XX/XX/XXXX .  I asked to speak to a supervisor and they said there was no supervisor available. They told me a supervisor would call me  within 24-48 hours. I still have not  heard from a supervisor and would like to clear this up but I do n't think I should have to pay all of the balance. I 've never dealt with a company that behaved like this. They 've lost my business. I
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AL)

Nelnet refuses to consolidate my loans and completed an incomplete loan application despite repeated phone calls asking them not to continue with the application if they could not consolidate all of my loans.

Nelnet excluded a valid FFEL federal loan assuming it was private because they couldn't find it on the national student loan database. After informing them that the loan is in fact eligible for consolidation they told me to send an additional application for the loan. The customer service agent assured me that they would process the new application along with the original application however, they did not and have completed that the loan consolidation process without including the FFEL loan.
Consumer complaint received 2023-02-03
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I recieved a letter regarding this debt and then I responded that I am unaware of this debt nor is this debt mine. I then recieved a credit report with once again my score lowed. This debt as I explained to this company is not mine, I have never been to this place and I live in another town/county as they are saying this debt is owed, I never even recieved a bill regarding this debt if I did owe it, I recieved a letter and I replied and then few weeks later it is added to my credit report. Again, this debt is not mine and they need to verify accuracy and name before sending owed bills to myself.