davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-06-26
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. (IN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX , XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit acceptance has a very distasteful way of doing business. After the pay off they include they silently included the XXXX XXXX on the pay off amount. They have yet to send me the original title and now Im stuck with a vehicle that isnt running and nothing from them to help. I cant even get the title from them. DMV ny tells me to reach out them bc they havent released the title and then credit acceptance tells me that NY is a title holding state and they need to send the title instead of them. There is not clear direction and all Im trying to do is cut my losses and sell this car. 

Do not do business with credit acceptance. They are professional scam artist and will take your money and silently make deals that can hurt you in the end.
Consumer complaint received 2023-01-01
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. (FL)

In accordance with the Fair Credit Report Act XXXX XXXX Account # 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 an account without my permission.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (MO)

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to remove the late, closed, and charge-off accounts from my credit report. Despite multiple requests and efforts on my part, these negative entries continue to adversely affect my creditworthiness and financial standing. 

As a responsible consumer, I have taken proactive measures to address and rectify any past financial discrepancies. I have diligently worked with your organization to resolve these issues and have complied with all necessary procedures and requirements. However, it is disheartening to see that these efforts have not yielded the desired results. 

The persistence of late, closed, and charge-off accounts on my credit report not only undermines my credibility but also hinders my ability to access essential financial services and opportunities. These inaccurate entries paint an inaccurate picture of my creditworthiness and financial responsibility, which is unacceptable. 

I demand immediate action to rectify this situation and ensure the accurate reporting of my credit history. I expect your organization to conduct a thorough review of my account and take the necessary steps to remove the erroneous entries promptly. Additionally, I request confirmation of the removal of these accounts and the updating of my credit report accordingly. 

Furthermore, I seek an explanation for the recurring nature of this issue and assurances that similar errors will not occur in the future. It is imperative that your organization implements robust measures to prevent the reoccurrence of such discrepancies and upholds the highest standards of accuracy and integrity in credit reporting. 

Please treat this letter as a formal complaint and escalate the matter to the relevant authorities within your organization for immediate resolution. I expect timely communication regarding the progress of this issue and confirmation of its resolution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-07-05
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/2023, per the FCRA, I notified XXXX XXXX  that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NH)

My student loan servicer Nelnet has continued to Stonewall me and refuses to work with me when I call and ask them to lower the amount of capitalized interest on my account and does not tell me the amount of capitalized interest it would have been if and why they did not put me on a income based repayment plan the whole time. They have taken advantage of me including after I called when I accidently defaulted as I was still XXXX XXXX XXXX from a XXXX XXXX XXXX that almost resulted in XXXX. Instead they steered me astray and capitalized my interest 7 times in that same year, this information I retained from the national student loan database. They have capitalized my interest 17 times  on one of my unsubsidised consolidated direct loans. This in less than 7 years?? It is not right to do this. When I call they never send me paperwork or email documents that supports my question on how much would have the difference been if I was on the i.b.r. even the most recent time I sent my recertification paperwork for my loans for my i.b.r. payment plan a month early and called them to insure I would not have my loan status changed and they told me it would not. When I called again and talked to a supervisor I was informed they indeed " did not receive my documents on time '' and they once again manged to change my loan status on XX/XX/XXXXand changed it the next day on XX/XX/XXXX once again capitalized more interest. It 's criminal what they are doing to people and I have filed a complaint with the federal student aid ombudsman and the federal student aid feedback center but am awaiting results from the federal student aid feedback center before the ombudsman can move forward. I feel taken advantage of when I call these people and tell them I 'm homeless, have no job, am struggling fininacially or have serious medical issues and they failed to make my life easier, but instead train their employees to shaft customers instead of putting me on a i.b.r.. why  do they continue to make billions of dollars capitalizing as much interest as they can from struggling American citizens. I know that I 'm not the only one getting g taken advantage of and somebody needs to let these crooks know this is not okay. My case number for the federal student aid ombudsman is XXXX and my case number for the federal student aid feedback center is XXXX. Feel free to contact them as you have my permission. Please help me I 'm buried in debt and do not want to be financially XXXX by a shady company such as Nelnet.
Consumer complaint received 2023-01-01
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX # XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This creditor has never provided me proper debt validation for this alleged debt and violated my rights by not giving me a chance to address alleged debt and has also reported four late payments and a collection charge off account as bad debit to consumer reporting agency without supply me with any 1099C or 1099A, or any kind of notification and tricked me to pay alleged debt settlement for less of alleged debt.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

tried to get my XXXX free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.
Consumer complaint received 2023-07-04
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (FL)

I was reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MA)

On XX/XX/2023 I was alerted via email that there had been an account opened in my name at Chime bank. I immediately called them, reported fraud, and the account was closed. While I was on the phone with them someone attempted to open a XXXX XXXX  credit card with a {$200.00} limit under my name as well, this account was also immediately closed. 
They also advised me to file a report with identitytheft.gov, which I did. 

The reason I'm filing this report is because this was not an isolated incident, the same thing happened to my sister and this has happened to dozens of other that I have connected with on XXXX. I believe this is not the work of a few random individuals but a larger issue with Chime itself. Either a weakness in their account opening checks and balances, or a malicious purposeful fraud done by the company in order to boost their account numbers or something.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC (WV)

Has been calling and leaving voicemails harassing me since XXXX of last year. I've blocked their multiple numbers, but they're still able to leave voicemail to harass me. No matter how many times I tell them to quit calling they keep calling to leave voicemail! I have absolutely no debt whatsoever. They are harassing me with multiple numbers and I have the call logs to prove it! They are now calling me from XXXX since XX/XX/2022. I have screen recordings of how long the harassment has continued.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

The merchant XXXX  has issued a refund on XX/XX/XXXX to my Citibank Costco visa card. It is XX/XX/XXXX now and I still have not received my credit back on my card. I have called Citibank multiple times and they said they do not see anything from their end. I have documents from XXXX showing the refund was issued already.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Inquired XXXX XX/XX/2023 EQUIFAX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Consumer complaint received 2021-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (HI)

Citibank : 1. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : I attempted to send available money ( same amount money/same person ) via XXXX to a prior email address utilized, to no avail. 

2. I spent hours with the # XXXX number to Citibank representatives, asking for Supervisors or escalation. 

3. XX/XX/XXXX, via the web, I found " XXXX '' and emailed for assistance. 

4. XX/XX/XXXX, I attempted to send via XXXX ( same amount money/same person ) available money to a prior email address and received via email by Citibank " We've blocked your Citi Online User ID for your security. '' 5.XX/XX/XXXX, I sent to " Citi Executive Response Unit '' a request to Escalate to Citibank Corporate Office , please. 

6. XX/XX/XXXX, I called the " Citi Executive Response Unit '' # XXXX to be told I have to wait 15 days for a response or call the XXXX # for assistance. 

7. XX/XX/XXXX, I sent via email to the " Citi Executive Response Unit '' for a " Response request. '' 8. XX/XX/XXXX, " Citi Executive Response Unit '' representative ( assume ) " XXXX '' at # XXXX called my cell, and asked me " identifying questions '' on my account. I did not have my account # or debit card in front of me. I retrieved it, and gave her my account number and debit card number. After " identifying questions '' quickly she said, I can not identify you and must disconnect. I asked for more " identifying questions '' - " XXXX '' said no. I asked how am I to get access to my blocked account? " XXXX '' said call the XXXX #. " XXXX said she would email : a response to me, not specifying to my email or via bank messages.
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: JPMORGAN CHASE & CO. (NC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.