davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (NC)

I disputed the XXXX XXXX XXXX collection with Experian. Within 5 days it was closed and reported as valid. I have since tried to dispute the collection and even upload supporting documents and their website and I am unable to as it states I have already disputed it & the upload site closed without allowing me to upload anything. 

The collection was not investigated and the collection agency has not been able to verify the account or balance. Additionally, the collection agency NEVER made contact with me to provide me the opportunity to dispute the collection before it was added to my credit report.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (NY)

have XXXX Ally bank cd IRA accounts.! acct ira cd closes on XX/XX/XXXX and the other IRA CD closes on XX/XX/XXXX. I sent in the forms to close the IRA accts and transfer to my Ally savings acct on those dates. I mailed the forms on XX/XX/XXXX. I called starting XXXX  day ago to make sure they rec 'd the forms. Hold times are over XXXX hour. I just called and the wait time in XXXX hour and XXXX minutes. I chated with somebody after waiting XXXX hour to chat and he told me the forms are not viewable because they probably are in a batch waiting for the closing dates of XX/XX/XXXX and XXXX. This is totally unacceptable. its a gamble to see if my accts are closed? What kind of outfit is this? The chat rep gives me a phone # and it's the same # that has a XXXX hour XXXX minute hold time. Im talking over XXXX that I want out and they can not answer my question if they got the forms. I do not want this renewed ... The customer service is the worst I have ever seen.
Consumer complaint received 2023-01-26
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX And Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$13000.00} ;
Consumer complaint received 2022-09-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (AL)

I have been paying on a private parent plus loan since XXXX. The school that my daughter attended was caught making scam practices and was sued and has closed down. 
XXXX XXXX XXXX in Georgia. 
Due to this closure of the school I was denied any options to refinance by XXXX. 
I am XXXX XXXX XXXX and still having to work just to pay this loan. 
I was offered yesterday ( XX/XX/XXXX ) to do a hardship reduction of payments for 6 months and pay interest only. I chose not to as this will only prolong the loan. 
I need to know if my loan can be discharged as others have because of the school closure and the massive lawsuit that was settled against them.
Consumer complaint received 2022-09-10
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. (NY)

n accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX, HAS VIOLATE 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 report agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc (CA)

XX/XX/22 I got the text from ( XXXX ) XXXX ( fraud department ) XXXX XXXXXXXX XXXX about someone is attempting to withdraw money ( XXXX ) XXXX and somehow they convince me to withdraw the money and deposit the money to Athena bit coin. So I withdraw the money and purchase bitcoin through athenabitcoin.com to the address : XXXX I dont know anything about this until my friend told me that this is scam. I called Athenabitcoin but theres nothing they can do.
Consumer complaint received 2024-03-26
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. (WA)

The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by XXXX, Equifax and XXXX.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NC)

In XX/XX/2022 I received an Aspire credit card with an {$700.00} credit line. I was trying to build my credit and not aware of predatory lending practices. 
After one year of payments I still owe {$540.00}, but have paid a total of {$2200.00}. 
This should be criminal. I am sick over it and see no way out. 
I have not reached out to the company because I dont know where to begin or what to say. 
I destroyed my card months ago in hopes of paying it off and closing the account. It seems unreachable
Consumer complaint received 2023-02-02
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. (MD)

I disputed this account with all three credit reporting agencies. After reviewing my consumer report this account is still showing inconsistencies and inaccurate information. 

The amount {$7700.00}
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (PA)

complaint # 1 : ( Account XXXX XXXX ) the credit bureaus are confirmed the credit acceptance account to be reporting as Accurate. I've provided proof that this account is still reporting inaccurately on my credit report. can you please help me resolve this issue by REMOVING this account from ALL of my credit reporting agencies! 

complaint # 2 : ( Account XXXX XXXX ) XXXX  XXXX  agreed to Remove the account listed if I paid the agreed amount of {$1500.00}. I am providing documents and bank statement to prove that I followed the agreed terms. XXXX  XXXX  did not hold up their end of this deal by deleting this account off my credit report I'm requesting that you please help me resolve this issue by removing this account from all my credit reporting agencies!
Consumer complaint received 2018-10-05
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. (MD)

To Whom it may Concern : XXXX XXXX XXXX  XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX   for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX  or Receivables Performance sold that account to XXXX XXXX XXXX  XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage. XXXX   XXXX has a copy on file of my police report and other documents I mailed to them referring to this account as XXXX XXXX {$710.00} with was deleted. It's clearly that these accounts are one in the same so why was it reposted under a new collection agency name. This is SHAMEFULL and incompetent on Transunion 's part and needs to be fix ASAP!! Thanks in Advance.
Consumer complaint received 2024-03-02
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. (MO)

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 the FEDERAL TRADE COMMISSION or XXXXXXXX XXXX XXXXXXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is 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, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$770.00} XXXX XXXX  XXXX Balance {$590.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-02
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)

This is my several endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-02-01
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. (AL)

In accordance with the Fair Credit Reporting act 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 1666B : 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 2023-02-01
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : 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 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (VA)

Franklin Collections is reporting on behalf of XXXX XXXX XXXX stating that I owe XXXX for a past bill. There only supposedly bill for a month that I had already cancelled the service, I moved out in XX/XX/XXXX at that time the service was cancelled and the equipment sent back. XXXX XXXX XXXX was aware that I moved. Yet they allowed Franklin collections to unlawfully collect place on my credit report with out giving me a chance to dispute or rectify. I have not recieved any call or mail concerning this account yet it is on my credit report.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2017-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I had paid a settlement with Portfolio recovery. They agreed to take everything off my credit report if it was paid. So I paid them on XXXX XXXX and now they are refusing to remove their info from my credit report. It was a recoreded conversation. I want this removed due it its been paid and it has a XXXX balance now. I have talked to them several times about deleting this and they refuse even though that was the agreement.
Consumer complaint received 2020-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Acceptance Corporation (NC)

M. Leonard and Associates are trying to collect a debt that my ex-wife put me down as a responsible party in XXXX. I have been divorced from her since XX/XX/XXXX, Fourth Judicial District of XXXX, Montana XXXX File Number XXXX. The courts phone number is ( XXXX ) XXXX. I was not responsible for any of her debts after the divorce, nor have I been notified by this collection agency. The only reason I found it, is that M. Leonard has reported the debt to my credit reports without my knowledge. She is committing fraud, and identity theft. Please remove this from my credit reports immediately. Should you need a copy of the divorce decree, please let me know, or the court can supply a copy with the information above.
Consumer complaint received 2018-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

To whom it may concern, This is my fnal complaint to be filed regarding this matter, I am recording the history of this interaction as a means of protecting others from the improper actions of USAA Investment Group and USAA Insurance Administrative personnel. As detailed in the referenced comaplaints, XXXX Date submitted to CFPB : XX/XX/2018, and # XXXX, Date submitted to CFPB : XX/XX/2018, USAA Investments Servrces did not offer any form of corrective action for the mishandling of my investment account ( undue fees withheld, collection of undue backup withholding, and untimely processing of transactions ). Instead of admitting and correcting their mistakes they retaliatedby closing my account and informing me that they " would not ducuss the matter any further '' ... The account was closed before it was liquidated and to add further insult, they still could not properly perform trades and dispense the funds derived from the trades. The closed account received even more restrictions, my funds were withheld and I was charged a fee once again for their ineptness!!! It took approximately three weeks ( XX/XX/XXXX thru XX/XX/2018 ) to conduct the trade for closing of my account. I was truly amazed that only two ( 2 ) of the employees who handled ACh and Wire transfers actually knew the procedures for completeing the transaction. Thank God for XXXX and XXXX!! 
I am still due funds from USAA ; but, the administrative staff will not acknowledge their errors ... The internet is full of legitimate complaints from military families and consumers regarding similar activity at USAA. What can be done to coerce USAA Investment Group to be more mindful of how they interact with their customers! Afterall, without customers, can a bank survive?
Consumer complaint received 2017-10-31
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: CITIBANK, N.A. (FL)

This is a complaint against XXXX. INQUIRY DATE : XXXX XXXX am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hi, I am asking XXXX XXXX and Experian to update my XXXX XXXX credit change my status from late to current. I wrote the CEO of the company and he fixed it for me on my file and they have not updated it yet.
Consumer complaint received 2020-02-21
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. (DE)

XXXX XXXX XXXX After recieving my sworn testimony ( Affidavit ) XXXX XXXX XXXX notified me in writing ( attachment ) that they have opened an investigation and are awaiting documents from the Original creditor. This could take up to 90 days. During the process of this investigation, this account should not be reporting on my credit profile.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (CA)

I was offered to extend my lease for an extra year. The contract says my payment is for {$40.00} per month for XXXX  month. Ive been sending the payments but now honda says I owe them {$460.00} per month and that Im Behind XXXX  months. They have reported me late to the credit bureaus and ruined my credit .I have called several times and I sent them the lease contract yet they wont give me an answer.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

I previously notified Goldman Sachs that Im a victim of identity theft and requested that they remove all fraudulent charges from my account. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : 1 ) Charge made XX/XX/XXXX - {$1500.00} XXXX XXXX ) Charge made XX/XX/XXXX - {$610.00} XXXX I have received the evidence Goldman Sachs provided on behalf of the merchant on XX/XX/XXXX. I have also contacted their offices on numerous occasions and requested to speak with someone who could explain to my why the disputed information was not being reviewed and to provide me with an explanation for the results of a dispute denial. I have been repeatedly told by your staff that I would be unable to speak with anyone in that department. The only option I have been provided is to re-dispute the charges and this has been going on now for almost 2 years. After reviewing the information closely, I can confirm I did not make these charges. I requested that they remove all fraudulent charges and any related fees from my account, send me an updated and accurate statement. I also request that they stop reporting this inaccurate information to credit reporting agencies ( CRAs ). The information provided by the merchant does not provide sufficient evidence to make claims otherwise. See exhibit D, E, F, G, H, I. 

I have completed a FTCIdentity Theft Report supporting my position. I have reported the theft of my identity to the XXXX XXXX XXXX Department. I also have completed the Federal Trade Commissions Identity Theft Affidavit, the Police Report, and my supporting evidence to support my claims. I've asked to speak with someone to discuss the evidence but continue to be denied that as an option. Goldman Sachs has also not provided me with any written explanation of their findings and actions.