davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (MD)

I want to inform you that I was the victim of identity theft. Per FCRA section XXXX you are required to delete/block the items listed on an id theft report. Please find the required documents to assist in the blocking/removing of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX, A XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX # X XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1200.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1200.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit report and noticed accounts that I am not liable for the debt and do not have contract with these credit agencies. 
1. XXXX XXXX 2. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OR)

I signed up for a personal loan in the amount of {$2800.00} on XX/XX/XXXX. I received {$2500.00} in loan funds on XX/XX/XXXX. I have made payments totaling {$820.00} since receiving the loan funds of {$2500.00}. My current balance owed on the personal loan is {$3200.00} and I have been charged interest and fees totaling {$1500.00}. These interest and fee amounts exceed the state legal limits set by Oregon. The current rate of fees and interest being charged on this account have made it impossible for me to pay off the loan. I called Netcredit to discuss this and ask for at least one of the monthly fees to be waived and was told this was not possible. In addition to submitting this complaint I am looking into joining a class action lawsuit against Netcredit. Our government and the CFPB needs to do better at protecting consumers from personal loans like these -- these should not be legal.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-14
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)

On XX/XX/XXXX, Equifax announced a cybercrime identity theft event potentially impacting approximately 143 million U.S. consumers, I was one of those affected. Equifax exposed my SSN, address, name, DOB, and potentially other information to hackers.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All reporting credit cards within my credit/consumer report are reporting as late/delinquent.

Per 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is not a duplicate complaint so do not label it, or treat it as such.
Consumer complaint received 2023-01-27
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-01-12
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: Lending Club Corp (ME)

I have repeatedly tried to remove the fraudulent XXXX Lending Club loan from my XXXX credit report. The loan is not mine and when I call Lending Club I am told they can not find the account ( obviously ) so they can not do anything.
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-01-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

I started on IBR 3 or so years ago with a payment of XXXX a month. Once on that I was all good and on time. I kept that payment for about two years. After that even though my income has NOT doubled they doubled my payment. I have struggled at XXXX a month. I have asked for help on the phone and nothing. This last time when I submitted for renewal of my IBR I sent written request to please not increase it my income had not changed and they raised it to XXXX. I am a single mom. I can not afford that payment. I dont like being late but they dont want to help and have said they wont or cant. I get maybe a 3 percent raise a year and I dont see how raising my payment so much even reflects my ability to pay. Please help me. I dont want to default and I am making payments but still losing ground because they wont help. I know they have been in trouble as have the college I went to. I was never told how much this would impact me or how devestafing it would be. I guess I made a big mistake going to collage.
Consumer complaint received 2023-01-27
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : 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 an account without my written instructions.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

My credit report lists an address that does not belong to me. I have lived at the same address for over 20 years. I have never had a post office box. The incorrect address is : XXXX XXXX XXXX, XXXX, NC XXXX. Please delete this post office box address so that it does not show up on my credit report.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (TX)

Ncb Management Services has reopened this account on my all 3 credit reports without my consent or permission or my signature on the original contract they have. It has been on my credit report for over 7 years and has not come off. The account is closed and reported as derogatory 120 days on my credit report and I continue to get denied when I apply for things. The balance reporting are not the same across all 3 bureaus one reports XXXX balance and other report {$9500.00}.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OR)

My Simple account was transferred to a BBVA account which was supposed to be a seamless transferred today will not let me log in and have access to my funds. I can not log in, I can not see my balance, and they are closed for the weekend and I cant contact and customer service.
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

When our adjustable rate increased we contacted Nationstar and asked for a HAMP. Apparently it was approved to begin trial payments XX/XX/XXXX but we never received any notification of the trial payment approval or the final modification paperwork ( sent out for signature XX/XX/XXXX ) because they were apparently sending them to our BK attorney. 

We consulted with our attorney XX/XX/XXXX and she said she mailed us the only letter she received which had copies of the originals attached and all was received by her office XX/XX/XXXX. 

We contacted Nationstar immediately and was advised to reapply for the modification. We returned all requested paperwork for the request XX/XX/XXXX and received notification last week that it was denied. We have not changed anything since the last was approved so why is it denied now? We received nothing telling of the last approval until it was too late to request an appeal.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (MT)

On XX/XX/2023 I contacted Credit Karma Money Support to report unauthorized transactions on my account. I had left town to take my XXXX XXXX XXXX to the children 's hospital in Denver and while I was gone my XXXX XXXX XXXX son would be staying with his father my ex husband. I left my son my debit card for emergencies or if he needed food he was allowed to use it. His dad found out about this and bullied my child and threatening him until he gave him the card and pin. He had my son extremely frightened so he wouldnt tell me. I was so busy at the hospital that i didnt check my account and if the bank sent a confirmation text I would confirm it as I believed it was for my child. My ex husband drained my accounts of thousands of dollars I contacted the police and pressed charges there was an investigation and it was confirmed to be them by store surveillance as well as atm. Credit Karma credited a portion of the stolen funds however have refused to return XXXX in ATM withdrawals claiming they where authorized which is inaccurate. Credit Karma has all the facts to prove these where unauthorized yet refuse to refund the money. My ex husband is a loser and has no money which is why he stole mine. It's highly unlikely that I will ever get the money from him so I'm dependant on Credit Karma to recover my stolen funds. This is a significant amount of money and they are simply deciding they can not follow the laws and regulations they are obligated to adhere to. I have exhausted all options and they refuse.
Consumer complaint received 2024-03-29
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-03-20
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)

My name is XXXX XXXX, and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and identification as it contains my complaint and requests.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

I made payments last month and the lady said they didn't come through on time because it was after XXXX XXXX, cool. I take that, I then make an early payment in which she stated that it was too early to count towards the next months bill so I ws once again charged a late fee the following month because she said the payment didn't go towards this month.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I 'm on the 2nd step with keep your home california, i finished the 1st step, interview process on XX/XX/17. A fraud foreclosure letter was already created by the DA on XX/XX/17 as well, which I received today. I 'm sending my required documents to keep your home California very soon. I need to make sure I still have my home while in the process. Are n't I protected under foreclosure protection act??? XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MO)

I was sent an email at XXXX about having an existing XXXX XXXX XXXX card. I have ZERO knowledge or have owned one of these cards. this is fraud and not acceptable at all this email was sent at XXXX XXXX from XXXX on XX/XX/2023 i wan na know HOW someone opened a card in my name and HOW you let this happen
Consumer complaint received 2024-03-29
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. (GA)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 2023-05-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied Collection Services, Inc. (Nevada) (HI)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-03-29
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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.