davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

After freezing my credit report through my online Equifax account, my account was deactivated without explanation and I kept getting a message to contact customer service when I logged in. I contacted Equifax on XX/XX/XXXX and was informed the only way to activate my account was to fax my ID to them and they would resolve the issue. I immediately faxed my ID and kept checking whether the account was activated. Several months later there was no resolution. I called back on XX/XX/XXXX and was informed they did not have any recored of my fax ( even though I had a fax transaction confirmation ). They told me to fax it again and it would be resolved in 5-7 days. I immediately faxed the information and called them back on XX/XX/XXXX. I was again informed they did not have a record of the fax and there was nothing they could do. 

I have been denied my right to lift the freeze on my credit report and apply for credit. I am currently applying for mortgages as I have an upcoming closing date on a previously booked condo. Failure to unfreeze my report can result in hundreds of thousands of dollars in damages as my down payment may be at risk. I also believe there should be punitive damages assessed against Equifax for denying me the right to unfreeze my credit report.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-12-11
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. (LA)

XX/XX/2022 I sent in a request for all three of the credit bureaus to confirm if the information is correct on my credit report. But once I sent out my letter asking them to confirm if the information is correct on my account I received a postcard from them. The postcard from TransUnion stated proof of address unacceptable reasons number four and three one or more of the documents was too old please see the time frame listed below one or more of the documents was illegal one or more of the documents was not accepted to be used as proof. Then on there it says list below reason only one proof was provided to acceptable documents are required please provide two current documents from this list and it list driver 's license bank statement XXXX XXXX cancel check government issued IDs. But still all they did was send me the postcard and did not inform me of if the information was correct on my account or not. The reason for me wanting to have the information confirm it's because I was told that there was a data breach and a few of the companies and I just want to make sure that my information was not tampered with.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XX/XX/2022 I sent in a request for all three of the credit bureaus to confirm if the information is correct on my credit report. But once I sent out my letter asking them to confirm if the information is correct on my account I received a postcard from them. The postcard from XXXX stated proof of address unacceptable reasons number four and three one or more of the documents was too old please see the time frame listed below one or more of the documents was illegal one or more of the documents was not accepted to be used as proof. Then on there it says list below reason only one proof was provided to acceptable documents are required please provide two current documents from this list and it list driver 's license bank statement XXXX XXXX cancel check government issued IDs. But still all they did was send me the postcard and did not inform me of if the information was correct on my account or not. The reason for me wanting to have the information confirm it's because I was told that there was a data breach and a few of the companies and I just want to make sure that my information was not tampered with.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

In XX/XX/year> I needed to change both my phone number and my email address with Coinbase where I have had an account for several months. Somehow during that process my acct disappeared. The acct has arolund {$600.00} in it. Since XXXX I have been trying to get Coinbase to respond to no avail. You sent me a note saying the company had responded and the inquiry was closed. They have not responded and that note was incorrect!
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2023 an unauthorized hard inquiry was placed on my credit report by JPMCB CARD SERVICES. I also noticed I had another unauthorized hard inquiry from XXXX XXXX on XXXX when I was on the phone with them looking at my inquiries. These inquiries were not authorized by me and I would like to have them removed from my credit report.
Consumer complaint received 2022-12-11
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: LEXISNEXIS (NV)

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF XXXX5 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My phone numbers XXXX XXXX XXXX
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (NY)

FINAL NOTICE OF DISPUTE Equifax and XXXX XXXX XXXX This is the last and final notice XXXX XXXX have addressed several points to the validity of the alleged debt you XXXX XXXX XXXX that she does not owe that is reporting on Equifax. I am disputed this alleged debt, make sure that is reflecting on my credit report. 

XXXX XXXX is requesting : ***the credit card agreement/contract, ***consumer file with my signatures for disclosures your company have provided ***Written Permission to report anything on my credit report. 

I do not give permission to report alleged debt on my credit reports. REMOVE IT. 

Pursuant to 15 usc 1692, I cease and desist XXXX XXXX XXXX from reporting anything, communicating with any entity about this alleged debt. 

XXXX XXXX XXXX and Equifax has 30 days to send documentary evidence requested in this letter, remove accounts off my credit reports. If not, I will proceed with next steps for legal action. This is ill affecting my mode of living and this needs to be rectified immediately from COMPANY and CRAs.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have submitted multiple certified leters and complaints with CFPB and there are still exiisting inquiries on my credit filed I did NOT request, PLEASE REMOVE.
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I'm an American Express Platinum member and I'm unable to use my Membership Rewards points. I contacted American Express and nobody was able to tell me why I couldn't use my points and when the issue would be resolved. I find it unacceptable I have to waste my time to file a complaint so I can use my points. Please let me know if the issue will be resolved so that I know whether to cancel my accounts before the anual fees are due.
Consumer complaint received 2024-04-05
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. (SC)

I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), specifically referencing section 602 ( a ), which emphasizes the need for consumer reporting agencies to handle responsibilities with fairness, impartiality, and respect for consumer privacy. As such, agencies like Equifax and XXXX must adhere to these principles. 

Delete these accounts immediately XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also any inquiries not connected to open account Further, per 15 USC 6801, financial institutions have an explicit duty to respect customer privacy and safeguard their nonpublic personal information. This act defines any entity furnishing information to credit agencies as a financial institution, thus including ( Furnisher of Information to Credit Agencies ) under this definition. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may only share consumer reports with explicit written consent from the consumer, which neither Equifax, XXXX, nor ( Furnisher of Information to Credit Agencies ) have obtained from me. Therefore, I am formally revoking any form of consent previously granted, whether explicitly or implicitly. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose personal information without informing the consumer of their right to opt out, which ( Furnisher of Information to Credit Agencies ) failed to do. Additionally, 15 USC 1681C ( a ) ( 5 ) restricts reporting adverse items without permission, and 15 USC 1681s-2 ( A ) ( 1 ) and 15 USC 1681e demand accuracy and reasonable procedures from reporting agencies, which have been disregarded in my case.

Lastly, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services entirely. I expect Equifax, XXXX, and ( Furnisher of Information to Credit Agencies ) to comply with these statutory requirements and cease all reporting and sharing of my personal information immediately.
Consumer complaint received 2023-06-29
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: ENOVA INTERNATIONAL, INC. (KY)

On XX/XX/2023 I received an email from Netcredit stating that the loan that I applied recently was not approved. I immediately contacted Netcredit and spoke with a representative by the name of XXXX. She stated that the only way that I can have this fraudulent information removed from my credit report was to get a police report. 

I don't feel that I need a police report because I verified all my information with Netcredit that I did not apply for a loan. I also stated to the representative that I would be reaching out to the Consumer Credit agency and the XXXX XXXX XXXX
Consumer complaint received 2022-12-11
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. (IL)

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 U.S.C 1681. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX 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 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 finish an account without writing Instructions from the consumer.

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 items 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. 

I demand the above-mentioned accounts be deleted from my consumer report.
Consumer complaint received 2022-12-11
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. (IL)

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 U.S.C 1681. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 finish an account without writing Instructions from the consumer.

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 items 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. 

I demand the above-mentioned accounts be deleted from my consumer report.
Consumer complaint received 2018-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (KY)

I had filled out an application for an installment loan with this company on XX/XX/18, and after speaking to a representative, no further contact them was made on their behalf indicating if the loan was approved or denied. On XX/XX/18, I received a deposit from Oxford Funding in the amount of {$320.00} dollars. Had this lender contacted me prior to deposit, I would have denied this installment loan, as I had no need for it. Upon reading the agreement on their website, I then found an absolutely absurd interest rate that would result in a total repayment of {$1900.00}. I then contacted them to speak with someone about settling this debt, and was told that I would be charged per the agreement and other than paying off the total repayment amount, there was no other way to settle this debt. After doing research, I have found that this company is not even licensed to do business in the Commonwealth of XXXX, and after repaying above and beyond the principal as seen in the evidence provided, I feel that this debt is paid in full, and that repaying anything more beyond what I have already paid is essentially the same as throwing money away. Any help in this matter would be greatly appreciated. I have attached screenshots of the website showing the amounts paid, as well as my bank statement from XXXX showing the deposit.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Global Lending Services LLC (GA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-12-08
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. (IL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

Hi, I am on the IDR plan ( REPAYE ) to repay my federal student loans. I was with XXXX and then transferred to MOHELA last year. At the time when I was with XXXX, during the COVID forbearance period, XXXX had emailed me to tell me it was time to recertify my income even though no income recertification was required since it was during the COVID forbearance period. With XXXXXXXX XXXX incorrect guidance, I recertified my income online on XX/XX/XXXX  which resulted in a much higher payment compared to the previous year. I should not have to pay the higher payment due to my original servicer ( XXXX ) providing me with false information. It is unfair for me to be punished with an almost 5x higher payment because I was trying to do the right thing and follow their guidance. I should be provided with the same benefit afforded to everyone else as no one was required to recertify their income during the COVID forbearance period. I have tried to call the new service provider MOHELA but the call has not been successful. I have searched online and seen that others have been able to undo their income certification so I was hoping I could get that courtesy extended to me as well.
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TX)

I contacted Pioneer Credit Recovery , Inc several times asking for verification of a debt they claim I owe. I filed a complaint against them back in XXXX of XXXX. To this date, XX/XX/XXXX, I have still received no validation as to why money is still being taken from me for an unverified debt. Below is the response given from the first complaint : Pioneer Credit Recovery , Inc. ( Pioneer ) thanks you for bringing this matter to our attention. On XX/XX/XXXX, The United States Department of the Treasury ( Treasury ) placed your Department of Labor debt with Pioneer for collection. On XX/XX/XXXX, an initial validation notice was mailed to you, to alert you of this placement. On XX/XX/XXXX, we forwarded these documents to Treasury for review. Additionally, we have requested the Proof of Debt. This information will be forwarded to you upon receipt. Pioneer does not control nor determine the federal offset process. This determination is between Treasury and the client, the Department of Labor. Should you have any additional questions or concerns, please contact our office directly at ( XXXX ) XXXX. 

They state to have requested Proof of Debt from Treasury when I requested verification but they claim the debt was already validated. In order to start a collection, a debt should already be validated by the company before money is taken. They have had more than enough time to review and correct the problem. Yet, it still exists. I am given the run around now and told to wait. It has been almost XXXX months. No Proof of Debt has been sent to me. This needs to end. Please help me resolve this matter. Collection needs to desist without proof.
Consumer complaint received 2022-10-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I HAVE ACCOUNTS REPORITNG ON MY CREDIT REPROTS THAT I DID NOT OWN THEY WERE ADDED DURING A CYBER DATA BREACH I NEED ALL THE ACCOUNTS REMOVED FROM MY CREDIT REPORTS.