davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Hello, on XX/XX/2017, when applying for my Best Buy Credit Card, I was promised the credit of 10 % back in rewards on my first purchase when I am approved for a my Best Buy Credit Card. 
I was approved, and made the purchase on the same date ( the order # XXXX ), but there 's no 10 %  back in rewards on my first purchase of XXXX in my first credit card bill. 
I contacted the merchant by messages thru their web site, then by phone, but in vain. 

For a resolution, I 'm looking for is to get the promised award now.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
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: Experian Information Solutions Inc. (NC)

I went to the XXXX lot and I also went to the XXXX lot both. Both companies said that they were only run my credit once, but they ended up running my credit numerous times which really affected my credit score negatively, and I did not authorize all those inquiries. Here is a list of the inquiry below. 
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 2023-01-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Ok now Im officially XXXXXXXX XXXX transunion XXXX and XXXX are a bunch of liars. I disputed my XXXX XXXX account it shows two late payment, they were both late because the bank teller put my money against a different loan!!!!!!!! All three of these credit bureaus are a joke, my XXXX XXXX account one day says its closed the next it says its in collection and the next its asking for money, that makes it impossible to dispute because they wont take my dispute and follow the account but they take the XXXX XXXX acc and follow my name and credit report so the a dispute is useless, and all day today XX/XX/2023 they hung up the phone, there sites are un useable and online chat they would disconnect right away. Now I want some answers that will take care of my problem because Ive been at this for 4 months, Ive had it and I want some answers
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

name is XXXX XXXX XXXX they have so many different names on my account that I would like to get taking off I only want XXXX XXXX XXXX on my credit report no others
Consumer complaint received 2023-05-18
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions I have reached out about all of these accounts and inconsistencies several times, these errors are hindering me from moving forward in my life.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

They have the wrong name wrong information. I try to address it to remove the false address. And which that examined question and I have no knowledge about. Does different credit card? Different name does not mean and which that refuse too. And I would like to just have the proper information on my credit report. That's all I want
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I did not give these companies my information I only gave it to XXXX to apply for there cars but they ran my credit 52 times XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-23
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. (FL)

I have fraudulent accounts on my consumer report. I am a victim of identity theft. I sent my FTC Report and my PA License as proof or identity to XXXX, Equifax, and XXXX on XX/XX/2023. These companies are in violation of 15 USC 1681c-2.
Consumer complaint received 2024-03-19
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. (TX)

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 1681.

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 2023-05-19
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. (NC)

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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (WI)

I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

Also, as a part of this complaint, I would like to include that between XX/XX/2022 and XX/XX/2022 credit reporting agency Equifax has been constantly removing and re-inserting an account from XXXX XXXX on and off my consumer report. In my previous complaint of the company response from Equifax, it clearly states XXXX XXXX has been deleted from this credit file. 

Per fcra guidelines, the consumer reporting agencies must notify me within 5 days of any reinsertion. 

Equifax, I never received any written or notification statement from you all advising me that you are re-inserting this account which means you have violated my rights and I am demanding that you remove it off my credit report now because you all did not follow proper guidelines. Also, I need for you all to provide me with every piece of information on how you came up to this assumption that this account should be reporting on my consumer report.
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MI)

We have service from XXXX XXXX XXXX, canceled service. They were supposed to send us a box to return the equipment. That never happened, I called them back and was told just to box us and return equipment. I returned equipment and once they verified that they received it, was told that we were outside of the window to return so we would have to pay for no return of equipment. So they kept the equipment and want to charge me.
Consumer complaint received 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

My husband XXXX have several issues with The Loancare XXXX XXXX since they took over the loan. They have sent all credit bureau of reports of being late for 30 days due to the fact they were not processing our payments correctly. I had to repeatedly contact them because they were pulling funds from an non-existing account that my husband and I had never even heard of. We had two separate accounts they could pull the payment from after I made the payments online in which I drop boxes for two accounts. This company has also had extra fees on the account totaling over {$270.00} extra. The customer service representatives act like they dont know what Im talking about. I went to look for reviews about this company due to the fact our loan was sold to them from XXXX XXXX and elven with these reviews the complaints are the same as ours. I think they are gouging us with fees and this just ridiculous. We never had problems with the previous loan company and all our payments were on time. We need assistance on how to deal with this company. please help. We are now in the of 3 payments because of this foolishness.
Consumer complaint received 2018-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (PA)

I bought a XXXX XXXX XXXX XX/XX/XXXX. The pink slip says my payments are {$270.00} for 72 months. I borrowed {$11000.00} and my interest was {$8700.00} making my total payback {$19000.00} which is {$270.00} for 72 months. I have had a lot of late fees added on to my account but what I don't understand is that I have added up all that I have paid them and I have looked at my account with them. Records show that I have paid {$6200.00} in principal and I have paid {$14000.00} in interest. Which totals {$20000.00} As of today, I still owe {$4900.00}. I don't understand. I have tried to call them to have them explain it to me but no one will take the time. I have paid well over what my wife and I signed the pink slip for. How does that work? Their phone number is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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. (LA)

I have reached out to all three credit bureaus Experian, XXXX, and XXXX about public information reporting on my Credit report from the US bankruptcy court. I have asked them how did they receive the information being the bankruptcy court stated that do not give nor report this information to the credit bureaus. I would like them to delete this information off all 3 of my credit reports as it is being reported without my consent. 

I have also asked all three bureaus to update my name as it appears on my drivers license. All three are reporting inaccurate name spelling and addresses that is not associated with me. I have asked that all information be deleted that is not accurate and they have not done so. My correct info is as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX My employer is XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (TX)

My wife and I took out a loan with Tower Loan and have been having issues with the repayment process. Throughout this time, the manager at the local Tower Loan office has been leaving multiple voicemails on my wife 's phone that are not in keeping with privacy laws. The voicemails provide personally identifiable financial information about my wife. I have requested that this stop, but it has not.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collections Acquisition Company, Inc. (NY)

I sent a check to pay for my property ( in XXXX ) XXXX I transferred money to my credit union only my bank sent the transaction twice, leaving my checking account short, and my check NSF. Before the county could cash my check, another company, called XXXX XXXX XXXX, cashed my check, then the debt collector for the county cashed my check, then I received a letter ( XXXX ) from a company in XXXX called XXXX, stating they were collecting a debt for XXXX XXXX XXXX XXXX So, not only did XXXX XXXX XXXX hack into XXXX XXXX to get the copies of my check, but so did XXXX I called them that day demanding to know who XXXX XXXX XXXX was and the girl on the other end was very rude and hung up on me.I received another letter from them on XX/XX/XXXX. On that same date I sent the bottom of the first letter back to them requesting that they give me the name and address of the original debtor. I received an answer from that on XX/XX/XXXX. I called the accounting number associated with that address for XXXX XXXX XXXX, and after sharing civil conversation, they did not have my information nor did they have anything to do with cashing my redeposited check. On XX/XX/XXXX, XXXX filed a bad debt on my credit report for non payment of debt. I called them .I told her I had paid my taxes directly to the county that I owed them to and that she was a fraud. I asked again who XXXX XXXX XXXX was and she said it was a typo. And I said 3 times? I had to send electronic copies of proof of payment of my taxes and now it's going to take this fraudulent one person company three weeks to remove a bad credit report from my score
Consumer complaint received 2023-04-03
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. (AZ)

I filed a claim with the Bank for {$2500.00} for a payment to court ( bail fee for a family member ) The total amount that was charged by court was {$2600.00} I authorized the transaction but court was supposed to refund {$2500.00} ( total bail payment minus transaction fee ) upon court appearance but they failed to do that, so I called XXXX to file a claim for the {$2500.00}. 
XXXX made a mistake on the amount I was disputing and requested the total amount {$2600.00} instead of {$2500.00} and they failed to resolved the claim sending me supporting docs showing I authorized the charge which I never deny. I called XXXX to file a claim not for an amount I didnt authorize but for an amount that I authorized and then was supposed to be later refunded to me. I called to get the dispute reopen and they told me to do it at a branch. Then I go to the branch to do it and they told me I just need to type up a letter explaining why I want the dispute to be reopened which I could have done from my house instead of going to the branch. The branch was supposed to fax the letter to XXXX claim depart but unable to reproduce a fax receipt ( what a joke ) After visiting the branch, trip I could have saved, I called XXXX claim depart to ask if they have received the fax from the branch and still were not able to answer, they said it takes 3-4 days for them to see the faxes as it goes first to another team which have to upload docs ( one again very inefficient ). I asked to speak with a XXXX who was not very nice either. 

Now they put a remark on my credit report which is affecting my score that states " consumer disputes after resolution ' what the heck resolution is that? I find the XXXX  claim depart very inefficient and I am demanding the remark to be deleted as I am just trying to get the dispute reopened because XXXX made a mistake and came up to a wrong conclusion/ resolution.
Consumer complaint received 2023-07-10
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-06-23
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 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.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

My school closed down after I went back after my medical leave I had XXXX. I was in school at XXXX in XXXX Tx XXXX XXXX XXXX. I have reached out to so many people asking and begging for help. How can they do this I have read where its against the law to charge a student once the school has closed down. They have also sold my file to Navient that was one of the worst mistakes because not only was I " NOT '' notified about XXXX selling my file I 'm now with a company that 's being sued for so much wrong doing. I called Navient they could n't even verify my loans with the schools. The school is no longer there its been closed for some years now. I 'm going to speak with a attorney tomorrow because this is horrible and stopping be from so much in my life not to mention its so against the law.