davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (IL)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX  XXXX Balance {$4400.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXXXXXX Balance {$300.00} ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-07
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. (TX)

There is information on my consumer report that is a result Identity theft. I never gave written consent for any company to share my non public information to a third party. 

15 USC 1681 ( b ) permissible purpose a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. 

I demand XXXX and Experian to provide a contract bearing my wet ink signature to furnish any information on my behalf. Failure of such contract shall result in these following accounts in the attached letter to be blocked and removed within 4 days.
Consumer complaint received 2018-10-08
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (MA)

Navient, formerly Sallie Mae has several missteps within my loan process. When signing the loan, I was notified that having a cosigner would significantly reduce interest. Upon signing the loan, the interest rate was reverted back to the pre cosigner percentage. In XX/XX/XXXX we contacted navient to correct this issue and we're notified that wasn't the case and we were locked into the rate we had. Which is variable, not the low fixed rate as discussed. Moving through to repayment, immediately after graduation I was notified forbareance was my only option when. Struggling to make payments. This was XX/XX/XXXX. After the forbareance period, my loan pricipal balance was inflated to double the original loan amount. After 10 years of repayment, my balance is still over the original loan balances. Being more knowledgeable now about the student loan practices of navient I have discovered many options were available to me for both my public and private loans. This means, my current student loans would be either completed or within 5 years of being paid off rather then the 11 I currently have. I have payment the entired Original balance of my loans and not paying the accrued interest due to mispractices and mis represenations of repayment options and interest rates. In XX/XX/XXXX, I contacted navient for copies of my original loan docs as well as signed promissory note, which the request was denied, further complicating and creating duress on my relationship with the company. They have never been helpful or willing to assist in any Information gathering to allow me to understand the interest rate/cosigner discount that was marketed prior to taking the loan.
Consumer complaint received 2023-02-16
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (NH)

This is regarding Ford Motor Credit. I do not, nor have i ever, had a loan with this company. I have been repeatedly receiving calls on my landline as early as XXXX XXXX  and as late as XXXX XXXX. The messages are cut off and only a mechanical number saying the same telephone number twice. This had been going on all of XX/XX/2018 it seemed. I must leave my phone on because of my mother 's poor health, but don't answer if I don't recognize the number. I'm at work about XXXX hours a day, but when I get home there are numerous messages, all the same from this same number XXXX. The message asks for a call back to XXXX. No place in the message does the call ID who is calling. It became such a nuisance that I called to ask who was calling. First the recording I received asked for my SS #. I did NOT type it in, but when I finally made my way through prompts and spoke with a person, the matter was supposed to have been cleared up. I had phoned from my cell and did give my name. Two days later, I received messages on my CELL phone and also then my email! When I called back, I was very upset, and asked to speak to a supervisor. This next person " XXXX, '' tried to get additional personal information from me. When I would not give it he told me he couldn't help me and would not transfer me to a supervisor. I have just checked my credit reports as I feared identity theft. NO Ford Motor Credit charges appeared. Please help me make this harassment stop. They now are using my landline, cell and email to harass me. And I have NO LOAN with them! In fact I have NO auto loan at all!
Consumer complaint received 2022-09-07
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my XXXX XXXX because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX, AMERICAN XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance $ XXXX Late Date XXXX, BANK OF XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX XXXX Dates XXXX
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I am trying to close a Bank of America Credit Card. There is no way to do so through the website. When I called the customer service number on the back of my card, I was on hold for 55 minutes before a rep answered. I was then transferred to a different rep who could not resolve my issue. 

Furthermore, I had signed up for recurring payments. I canceled recurring payments several times beginning three months ago. Bank of America continues to withdraw {$400.00} per month including on XX/XX/2018.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Consumer complaint received 2018-10-08
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. (CA)

XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my EXPERIAN XXXX  AND XXXX credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX  has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.
Consumer complaint received 2022-09-07
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. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct this suspicious accounts listed below. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my previous complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} DEPT OF ED/XXXX  XXXX Balance : {$18000.00} DEPT OF ED/XXXX  XXXX Balance : {$8300.00} DEPT OF ED/XXXX  XXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$5400.00} DEPT OF ED/XXXX  XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$2000.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX  XXXX Balance : {$3400.00}
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MO)

NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX XXXX, GA XXXX Is reporting and unknown debt of {$4500.00} wolfcreek appartments to all 3 major credit bureaus in an attempt to collect a debt. I didn't receive any 30 day notification to of debt collection prior to reporting it in order to dispute it according to my rights under the FDCPA. Debt Collection Agencies are required to notify me by mail at a current address 30 prior to validating the debt. This is not and acknowledgment of this unknown debt collection.
Consumer complaint received 2020-12-12
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. (CA)

I am no longer an authorize user on XXXX XXXX XXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.
Consumer complaint received 2018-10-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advantage Collection Professionals, Inc. (MN)

I received a call at XXXX on XX/XX/2018 from Advantage Collection Pros at my place of employment. I politely asked if she would not call me on my job. She told me I have a bill of XXXX (? ) and I told her it would come out of my account on Friday and please not call my job, please send me correspondence, she said : we did, in XXXX. I said again, please dont call me at work and she said I will call until the bill is paid and hung up on me. 
This upset me that she was so rude and just hung up! I called the company back at XXXX on XX/XX/2018 and I spoke with somebody and she said that my account indicates not to be contacted at work. I asked her to review the conversation.
Consumer complaint received 2023-02-06
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. (LA)

XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Accounts are inconsistent inaccurate and inviolation of FCRA XXXX Subchapter 3. 
Information remains inaccurate & inconsistent thru 3 bureaus credit report
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

On XX/XX/XXXX I received notification from XXXX XXXX that the customer service of my federal student loan account would be transferred to MOHELA but that my loans would still be owned by the U.S. Dept. of Ed. The letter stated that it would be transferred on or about XX/XX/XXXX. 

Then, on XX/XX/XXXX, I received an email that loans would be transferred to MOHELA within 30 days and to go ahead and set- up my account using the information they had provided. 

I went ahead and set up an account and within a couple of days, my account said that all information would be available on XX/XX/XXXX. On XX/XX/XXXX I checked my account and the account stated that I was " in good standing '' and my balance was showing {$0.00}. 

On XX/XX/XXXX, I checked my account again and it stated that all the information relating to my loan would be available on XX/XX/XXXX. At this point, I knew I was getting misleading and bad information. I checked my account on XX/XX/XXXX and again, it stated that I was " in good standing '' and my balance was showing {$0.00}. 

I called MOHELA immediately because I am getting conflicting information after years of getting bad customer service and faulty information with XXXX XXXX. I am also in the process of purchasing a home and further steps can not be taken until my student loan information is established with MOHELA. 

I spoke with XXXX on XX/XX/XXXX who informed me that the processing time is about 10 business days. I explained that I am well over the 10 business day mark but she could not give me a reason why and had no access to any further information to help me access my new account.
Consumer complaint received 2022-09-08
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. (GA)

In accordance with the fair Credit Reporting Act, * XXXX XXXX XXXX ( # XXXX ) < '' last XXXX of account number included for each '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..HAS VIOLATED MY RIGHTS..

-15 U.S.C 1681 section 602A, states I have the right to privacy - 15 U.S.C 1681 section 604A section XXXX : Also states a consumer reporting agency CAN NOT furnish a account without my written instruction.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

According to my credit report, an inquiry on my XXXX was done on XX/XX/2022 from Bank of America. Apparently, someone applied for a credit card using my name and old address which resulted in me putting a credit freeze on my XXXX account. 

On XX/XX/2022, I contacted via phone the Bank of America ( XXXX ) at XXXX and explained to the customer service that I never applied for a credit card at all. The customer representative canceled and closed the account. There is no way of me knowing if the closed account occurred yet.
Consumer complaint received 2022-09-08
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. (IL)

I have two Accounts on my credit report that is Not mines. 

Account # XXXX XXXX XXXX is not my debt I called the Dealership informing them that I am not responsible for this debt. And to furnish me a letter bearing my signature that I open this account and XXXXDealership could not verify. I had no job in XXXX when this account was open. No credit. No bank account. No co signer documented for this loan. So there is no way I received a car loan for $ XXXX. 

Account # XXXX XXXX XXXX is not my Debt Open in XX/XX/XXXX- I have proof that I was XXXX the entire year of XXXX. 

Requesting to get these false inaccurate information Removed from my credit report. & I would also like to Update my address and name. Because there are addresses on my credit report that I have not lived at.
Consumer complaint received 2022-10-22
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)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-06-16
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. (NV)

This is my FURTHER Complaint that I was the victim of identity theft, XXXX and TransUnion Credit Bureaus don't care at all that I want to dispute these XXXX ACCOUNTS in my credit file. XXXX! How often do I have to tell them that these accounts are NOT MINE? Please DELETE the following accounts listed below. 
XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00}.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a report with CFPB on XX/XX/22 regarding XXXX XXXX XXXX XXXX XXXX XXXX. Asking for them to correct the errors on my account. 

XXXX and then XXXX XXXX both posted new information and removed negative information. I paid the new amount that XXXX XXXX requested. 

I have learned from XXXX today that now all three credit bureaus have had the matter addressed. It still shows negative credit on my TransUnion account. from XX/XX/22. Part of what I requested from XXXX XXXX XXXX is that remove all negative credit from all three credit bureaus. Listing never late, on time, exceptional payment. 

Negative credit is still showing on TransUnion as of XX/XX/22. Balance was paid in full on XX/XX/22. I have not had any reports about my XXXX credit as of yet.