davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (LA)

The company is XXXX Credit Karma and I've always felt that my credit score wasn't correct on their site. I got my credit score from one of my credit card companies and my score is XXXX from XXXX. On XXXX Credit Karma, my score is XXXX and they just subtracted from my score because I spent {$70.00} on my XXXX XXXX 's card. I've always felt they were unreporting my score and I'm always getting new credit card offers and loan offers telling me that I have a 90 % or better approval rating. I fell for that once and I got zinged on my credit score thanks to XXXX  Credit Karma. I chatted with someone and I was told that I couldn't speak to anyone on the phone. The gentleman said that all they do are chats, no phone call was possible. They handled tax refunds for me and I don't remember it being like that but they were XXXX Credit Karma at the time. They were just Credit Karma. And I wasn't getting zinged on my credit score then like I am now. If I charge anything over {$100.00}, they would drop my credit score and now, it's {$70.00} and they dropped my credit score XXXX XXXX on XXXX and XXXXXXXX XXXX  on XXXX. I'm more than sure now that it's XXXX Credit Karma playing games with my credit score. I've gotten my credit cards paid down and I'm continually getting them paid down but it does reflect on XXXX Credit Karma site. On XXXX, my XXXX XXXX is XXXX and it has been higher than on XXXX Credit Karma for some time now. I think that it is called manipulation and that is what I've been experiencing from XXXX Credit Karma. For the last XXXX months my XXXX XXXX has been consistently lower on their site, I haven't been able to get above XXXX because I get zinged every chance that they can show that my score is lower. So, I know now that it isn't the Credit Reporting Agencies that are doing it but XXXX Credit Karma is scamming me.
Consumer complaint received 2023-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Inc (VT)

I had paid off my last debt in collections around {$640.00}. I have been trying to get the debt off my report. I have disputed it 3 times, and it wont come off. Called XXXX  and they were no help getting it off. The debt agency was called Asset Recovery Inc. However, they permanently close. The debt has been paid to XXXX XXXX XXXX in full. But since Asset Recovery Inc closed down permanently, they can't take off the debt from report since they no longer exist.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sombrero Capital LLC (OH)

I have a Land Contract with XXXX XXXX XXXX Reported : XXXX XXXXXXXX XXXX as current with a XXXX Balance. On or before XX/XX/2023, XXXX XXXX XXXX attempted to contract with XXXX XXXX XXXX XXXX to purchase my contract for which I received a voicemail verifying that they were in the process of purchasing my contract and that Covey Financial would be collecting the payment. I am still currently paying my contract at XXXX XXXX XXXX and have been advised by XXXX XXXX XXXX that an agreement had not been signed by XXXX and XXXX XXXX XXXX I advised XXXX XXXX  that Covey Financial had contacted me and continued to try to collect on the contract that was still owned by XXXX XXXX XXXX XXXX They advised me that they would correct the issue since Covey Financial was reporting to the credit bureaus of the failed payments for which they legally can not collect or report. I have disputed the Covey Financial reporting with XXXX and notified Covey Financial that they legally can not collect on the debt. Covey Financial refers me to XXXX XXXX XXXX. for which they have a contract, who assured me on multiple occasions that they would correct the problem. XXXX has researched my dispute and reports that Covey verified that the account belongs to me and currently is reported as delinquent even though I pay XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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. (MS)

Hi, When I pulled my credit reports, I noticed many hard inquires on my credit report. That shouldn't be on there at all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
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: TD BANK US HOLDING COMPANY (PA)

I received a notice that my credit was being run, I never gave permission for them to do so nor did I apply for a credit card with them. They should not have inquired without my permission.

This is the information below that I was notified on : TD BANK USA/TARGET C Inquiry : XXXX XXXX, XXXX  - Complete Dept. Stores No contact information has been reported by this creditor.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt- 15 usc 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt ;
Consumer complaint received 2018-04-13
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: SYNCHRONY FINANCIAL (TX)

I have disputed this report already with XXXX but nothing has changed. I have a hard inquiry on my credit report for XXXX/XXXX  but I haven't ever given them authorization to run my credit. I don't have an XXXX credit card but I do have an XXXX account that I order from frequently but still not authorizing them to run my credit. I am completely confused as to how they even have my social security number. I research and found out that XXXX XXXX has changed their name to XXXX XXXX   and that is why it show XXXX XXXX. I believe this inquiry to be fraudulent because anything done without my authorization is illegal. That is my understanding of credit inquiries
Consumer complaint received 2022-12-01
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc. (SC)

This complaint is about Nelnet and my XXXX discharge. I sent them the award letter in the middle of XXXX and they have not given me updates while its being processed but instead has reported 9 new installment accounts and 9 new credit accounts on my credit report. I received notice on XX/XX/XXXX that you received my application. In that time, you have reported 9 new installment accounts and 9 new credit accounts to the credit bureaus. This, in turn shortened the length of time when I had the loans in my name and that reflected poorly on my credit report. The interest that you are charging me is inconceivable, and it increased my total amount due and owing according to the bureaus. You never sent me documentation of the interest charges that would accrue while I was under a decision of my XXXX before you notified the credit bureaus. I feel as though during this transition, reporting to the credit bureaus would be the least of your worries since I have given you my award letter from Social Security. During this process, my loans should have been held in a deferment or forbearance rather than reporting the negative information to the credit bureaus.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

Requested an agreement with my sign of nature agreeing to pay this alleged Debt to I.Q. data international debt collection. 2. what is the definition of the debt your trying to collect and valid reasons why iq data international isnt abiding by the United States consumers codes and UCC codes and last a reason for each USC and UCC that is stated in this complaint to be addressed. 3. Theyre in violation of multiple15 usc codes 1680b 1681b 1692c ( c ), ucc 1-308 I have never had a contract with a XXXX XXXX. Per the15 usc 1581b, 15 usc 1681.15 usc 1681b. please provide the original contract between XXXX XXXX and XXXX XXXX. This is innaccuate information being reported and this is a direct violation of 15 usc 6801 ( a ) YOU CAN NOT GIVE ANYONE ACCESS TO MY INFORMATION IF I DIDNT GIVE WRITTEN CONSENT TO DO SO. 
2. Define the term debt UCC 1-308 Without prejudice I did not enter into any agreement with this company nor sign any contract with them. Provide my signature agreeing to pay you on a contract from I.Q. Data international or delete this from my report. 

15 usc 1692c ( c ) I refuse to pay this alleged debt. Also reserve my rights under ucc.1-308 I do not consent to this debt nor proceedings unless there is my sign of nature proving I entered any agreement with I.Q. data international, or I will seek litigation for the multiple United States consumer codes you are in violation of. Delete from my consumer report immediately. 

In pursuant to 15 usc 1681A and all sub chapters applicable. It states you must exclude any information from my consumer report that is INACCURATE OR INCOMPLETE YOU HAVE VIOLATED FEDERAL LAW WITHIN THE FRCA AND FURNISHED MY INFORMATION INACCURATELY AND ALSO DID SO WITHOUT MY CONSENT. 

Meaning another violation of 15 usc 1681a ( iii ) it must be clearly specifically disclosed to the consumer. Abide by all United States consumer code demands or I will send letters of litigation. I the consumer was never clearly informed about entering into any contract with I.Q. data international nor the alleged original creditor XXXX XXXX. I demand the original agreement of alleged debt between XXXX XXXX and XXXX XXXX to be given over and the original agreement between I.Q. data international with my signature to validate this debt. 
Delete from my consumer report immediately
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NY)

I ordered a XXXX watch online from a dealer in the XXXX. The online website was XXXX. The cost of the watch was {$6300.00} Affirm financed the transaction and I am to make 18 installment payments. The watch was determined to be a counterfeit and seized by US Customs. I notified Affirm of the XXXX and provided them with documentation. The counterfeit watch was determined to have a value of {$100.00}. Affirm will not void the the loan and is demanding payments. Affirm tells me to speak to XXXX, and XXXX tells me to speak to Affirm.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

My loan repayment status with Mohela is being negatively affected and placed in limbo because Mohela claims that I'm showing as " in-school '' at XXXX University and thus I'm under an in-school deferment right now. However, I have not been enrolled as a full-time student at XXXX University since the Spring Semester of XXXX  and my official enrollment ended in the Fall of XXXX. XXXX University has reported this information to the proper government agencies such as the XXXX XXXX. And they have confirmed this with me and have attempted to confirm this with Mohela, with phone calls and a letter. I have also sent Mohela information in regards to this matter to get this situation of inaccurate information rectified. 

In my discussions with Mohela they have made it clear they have not done their due diligence to review all information I have sent them because you can not send them direct messages on special case issues such as mine. Calling has shown to be pointless because they don't record all information properly in my account. I have been provided false or bad information regarding this situation several times. They won't confirm if they have received a letter from XXXX 's Financial Aid Director. They also refuse to take down here contact information and call her about this matter. They called me back once and left a message. However, the call back number " XXXX '' left for me to call back ( XXXX ) is a non-working number for Mohela. 

I have spent 2 now going on 3 months to try and get this issue rectified with Mohela. I have lost money, because I have had to take time off from work to call them during their hours of operations ( 12 times I have called ) and have been on hold for 1-2 hours and then another 1-2 hours on the phone to try and get confirmation on communication and information sent/received. Also, their messaging options for customer service is a joke frankly because their turn-around time or response time is about 4-6 weeks instead of 1-3 business days as they claim will happen. 

I would like to get this matter solved so my IDR or SAVE repayment plan can officially kick in and I can receive the credit I deserve towards making payments to my 120 payment forgiveness etc. I believe Mohela is intentionally illegally delaying this from happening. I do not know what else to do and neither does XXXX University which has been negatively affected by this matter as well.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered a number of unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year>
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MI)

In XXXX, I applied and was accepted for an XXXX plan through studentaid.gov. This was sent to Mohela to be implemented, and instead Mohela put me on the XXXX plan which would cost over {$400.00} more a month. 

I contacted Mohela and after extensive wait times was told that " somehow '' I was put on the wrong program and that the only solution was to reapply for the program, have my loan put on administrative forbearance, and wait for my application to be processed and my payment amount changed. 

Payments are due XX/XX/XXXX, and currently it's estimated that my application will be processed in XXXX. While the forbearance means that I will not be reported as delinquent, it also means I can not enroll in automatic payments to get a reduction in my interest rate. 

I find it ridiculous that Mohela, owned by a state government, can sue to block loan forgiveness and then fail to adequetly staff their company to process applications in a timely manner. My loans will now be earning additional interest despite me filling out applications in plenty of time.
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 I have did a thorough investigation and these accounts are inaccurate and I don't recall these accounts. 

In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NC)

Hello, My Apple/Goldman Sachs Mastercard account was hacked last week. The perpetrators got into my Apple Wallet and started using my cards. I was contacted by Apple/Goldman Sachs , the gentleman 's name was XXXX XXXX XXXX who said they had to investigate the situation. They blocked the transactions and said it would take a few hours to rectify. Its been now 5 days and all they can tell me is that they are investigating and it will take more time. They says they will call me back at the end of the day and never do. Since then they have locked me out of all my XXXX accounts. They have not been helpful in anyway. I can not get to my email and so I contacted Apple who said they could not help in this situation. I am extremely frustrated at the poor communication and service by the Goldman Sachs credit card unit.
Consumer complaint received 2018-04-13
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 sent a dispute requesting information on the debt to XXXX and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. 

No copies of a signed agreement or history of payments made to the company has been sent. 

Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.
Consumer complaint received 2023-06-17
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. (OH)

In accordance with the Fair Credit Reporting acted XXXX XXXX ) Account #. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-11-06
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. (VA)

I applied for credit and was denied, when I checked my credit report I found 4 unauthorized accounts reporting on my report - US DEPT ED, - US DEPT ED, - XXXX XXXX XXXX, - XXXX XXXX CO. I'm not getting any help from any of these corporation for the information requested, also for the deletion of these account because they do not belong to me. 

Enclosed is a copy of the police report
Consumer complaint received 2023-11-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX