davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (IN)

XXXX sent letter that I did not have enough coverage on home when I did. So I changed insurance companies on XX/XX/2019, See attached bill. XXXX   never paid the premium out of my escrow account so I received a policy cancellation from XXXX. I then called XXXX   and paid the {$680.00} in full and then Called American Financial Resources to complain along with XXXX and they said I show a payment was requested to XXXX   and she would do it again, I told her at that time not to bother because I paid it in full and wanted them removed from doing my escrow. They refused and then send me a bill for {$330.00} for lack of insurance coverage because they did not do their job, I received a letter on XXXX XXXX saying I owe {$330.00}. I have reached out to American Financial Resources to complain and no reply. XXXX is playing games and will not correct their mistake. I will not pay this bill as it was not my error and if and attorney and law suit is required I will hire an attorney
Consumer complaint received 2018-03-04
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. (GA)

This loan was never verified and is a result of someone using my information. Company refuses to supply me with information to further correct the issue and the account is now reporting negatively on my credit report.
Consumer complaint received 2022-12-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC (IN)

I told the initial caller roughly XXXX weeks ago to stop calling. I discontinued their credit card. For XXXX weeks I have received 7-9 calls a day with a XXXX from each call. On XX/XX/22 from exactly XXXX to XXXX I received XXXX documented calls all leaving a XXXX of roughly XXXX seconds each. This is the definition of creditor harassment. Indigo XXXX is more like a loan shark the a legitimate credit card company.
Consumer complaint received 2020-01-07
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: EQUIFAX, INC. (NC)

Equifax has not let me get my credit report because I'm sure they have had fraudulent activity on my credit in which I have filed a claim against them and I need the copy of my credit report for proof
Consumer complaint received 2022-12-27
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. (IL)

transunion removed XXXX inquirys from my record but heres some that they should of removed but didnt please reveiw these SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX these are result of fraud and should be removed
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted all three credit agencies concerning XXXX XXXX for years now after disputing that I did not have any late payments. Not knowing much about credit and fraud at that time. Now I study the consumer laws to help myself get back what I was trying to achieve with credit. I sent XXXX XXXX many letters to rescind and opt out because of Identity reason and they did not give me that disclosure in BOLD letters giving me the option to opt out. Also this company created fake accounts around 2016 and now doing illegal transactions once again. Attaching my letters which was sent to the agencies. 

Notice ; I am opting out with the notice of right to rescind. XXXX XXXX never gave me that right, a creditor shall deliver two copies of the notice of the right to rescind and shall identify the transaction or occurrence and clearly and conspicuously disclose the ONE to FIVE above. This is my RIGHTS. 

6801. Protection of nonpublic personal information ( a ) Privacy obligation policy 1681b. Permissible purposes of consumer reports ( a ) In general - Subject to subsection ( c ), ( 1 ) ( 2 ) This letter is in good conscience because I did not give anyone permission to report any of my information. They took my information and transferred it to a non-affiliate third party without my permission and created the profile that supposed to represent me the consumer that which I did not approve of. According to these laws, is that not identity theft?
Consumer complaint received 2020-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Thaxton Investment Corporation (AL)

After checking my credit report Covington Credit has a negative entry on my credit report. After researching the cause apparently they sent a pre- approved check to my former address that I was renting to my son, who shares the same name ( XXXX ). Apparently without permission he intercepted the check and cashed it. I have since cleared the home and pressed charges. I have a fraud alert on my account prior to them sending the check and I was opted out of pre-screened approvals.
Consumer complaint received 2022-12-27
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: AMERICAN EXPRESS COMPANY (NY)

Due to the change in the New York Statute of Limitations bill signed by XXXX. XXXX XXXX into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

This loan originated from a predatory school. A portion The federal portion of the loans has been deleted, and the remaining is in the process of deletion following the XXXXXXXX XXXX XXXXXXXX lawsuit. 

Since the exhaustion of my forbearance period and back-to-school pauses ( around XXXX  with some other periods in between ), I have been making payments I can't afford. I have probably paid close to the original borrowed amount and now owe {$53.00} thousandover XXXX XXXXXXXX more than the original amount. Since the pandemic, I have been paying ever-increasing interest-only installments and seeing my principal still rising. 

Currently, I have been paying non-stop for at least XXXX. With the interest increases, I am paying close to one-third of my current income. I keep requesting an adjusted lower interest or another program that would allow me to breathe, and because I have never been in arrears or default, I always get denied. 

California sued NAVIENT regarding predatory loans, and people in default had their loans deleted. I am trapped in this situation because I can't get into a default to protect my credit and cosigner 's. I can't progress in my life because I have this anchor whose weight is suffocating me. 

I just finished a six-month interest-only program and am completely broke. NAVIENT won't do anything to help. 

NAVIENT knows that this loan originated from a predatory school ( the XXXX XXXX XXXX XXXX and yet they are doing nothing to ease the struggle I am experiencing to get this debt cleared. It just seems to make sure it is ever-increasing and keeps me down.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (NY)

I attended XXXX XXXX XXXX, NY in XXXX. I have been paying on my loans for the last XXXX  years with interest rates keep raising. I am in good standing and owe {$3200.00}. 

I was signed up for private loans without an explanation of the type of loans. XXXX pressured to get loans out to remain in school. I am part of the group attendance discharge for XXXX XXXX and my federal loans were discharged.

It only makes sense that these loans should also be discharged based on the misconduct of the school.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

XXXX, XXXX XXXX WF CRD SVC XXXX Why is this account being reported with XXXX? different dates of last activity? Delete account for inaccurate reporting. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within XXXX  days or delete the negative items, as originally requested. 
Once you have finished my request, please send me an updated credit report reflecting my request.
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (NC)

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. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
Account name : XXXX XXXXXXXX # 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 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

An insurance claim was filed with XXXX XXXX XXXX falsely. Communicated with XXXX XXXX XXXX to notify of false charge and they never responded. Service was canceled however the still falsely sent the account to collections.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX closed a credit card for lack of use, No Foul. then sent a derogatory report to XXXX credit co. I asked the XXXX XXXX why they did this, they could not give me an answer. soon after this my credit score plenished. my american express account was lowered from XXXX XXXX to XXXX XXXX. My XXXX XXXX account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

CFPB Write up In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

On XX/XX/2020 and numerous other occasions, PNC Bank has aggressively charged our business checking account overdraft fees of {$72.00} on XX/XX/2020, when as of XXXX yesterday XX/XX/2020 our account balance was {$8.00}, and we were charged the 2 overdraft fees this morning, yet there were no transactions that should have made the account go under the {$8.00}. PNC has done this on a continuous basis, and it seems that if the account balance is low, their computer systems are programmed to aggressively set up the opportunity to charge the overdraft fees. We have been charge upwards of {$1000.00} in overdraft fees, and we feel at this point it is because of their system. I reached out to retail escalation rep XXXX XXXX, who has offered to give some of previous funds back, but has failed to do so. At this point we are going to terminate our business relationship with PNC and are searching for an attorney to look into this matter.
Consumer complaint received 2024-04-14
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: BARCLAYS BANK DELAWARE (CO)

I was trying to apply for a XXXX  rewards credit card. I was asked to call this number through the XXXX website. They requested a copy of my driver license and social security card. I repliedI have excellent credit and have never been asked this before so I refused to provide that per on their website. They replied they will be sending me some forms in the mail. So per giving them my ss number to check my credit through XXXX XXXX they have checked my credit through XXXX XXXX they say they are Barclay credit company  this was done on XX/XX/XXXX. If I get paperwork in the mail i will then forward that to you. I believe this is a fraudulent company I never have been asked to provide those 2 forms of identification before and I have excellent credit. Please follow back up with me at XXXX instead of a email Thank you
Consumer complaint received 2023-08-09
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. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2019-02-13
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. (NY)

Equifax has not removed the information, fraudulently listed on my credit report. 

The following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX i added 7 year fraud alert and equifax did not add the extended fraud alert. 
all accounts are fraudulent i never opened any of the accounts. Also, I have a letter from equifax that they removed the information. However, the following month they reappeared. Equifax receiving kickbacks from companies to maintain fraudulent information on respective reports. Equifax is run by a consortium of scam artists and will not exist by the next fiscal year. 


equifax needs to MAIL ME RESULTS I AM OPTING OUT OF WEB BASED " E-FILE '' RESULTS PHYSICAL MAIL ONLY social security XXXX
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

I addressed the situation with XXXX XXXX XXXX about family idenity theft. In return knowing the situation they sold my account to a collection agency and now they have started aggressively coming after me for funds i dont owe
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (KY)

Dear CFPB, I'm XXXX XXXX XXXX senior citizen. Please note that I've filed a fraud alert case with American Express. Apparently, offshore scammer called my phone and pretended to be a merchant ( employee of airline vendor called Just Fly ). The scammer received my airline ticket booking ID. From that booking ID, he repurchased tickets. That charged my AMEX card three charges on XX/XX/XXXX : XXXX ) {$400.00} XXXX ) {$200.00} and XXXX ) {$910.00}. I NEVER SHARED AMEX CARD INFORMATION NOR DID I APPROVE THESE CHARGES. The scammer was able to rebook airfare without my consent only by using my existing booking ID. 
I filed fraud charges with American Express. As of this writing, I filed at least three fraud charges with American Express on same transaction. But, they keep reverting charges back to me with excuse that I've shared card details with the merchant. I never shared card details nor I authorized these charges. But, American Express fraud protection team is not willing to even consider this. I tried explaining them at least 10 times on the call and through live chat with support. Initially they open fraud case and in few weeks they remove fraud case and revert the charges back to me. 
I'm not sure why they don't understand that I didn't give my card details nor authorized these charges. XXXX scammer was able to charge my AMEX card through airline reservation details. These are fraud charges and they need to be removed from my account. I'm retired and can't afford to pay these charges that weren't made by me! I'm begging CFPB to save me from these fraud charges!
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC (MD)

BMG Money is reporting my balance as {$3000.00} and status as 90 days late on my XXXX credit report. I filed XXXX XXXX on XX/XX/23 so the credit report should show {$0.00} balance and status should be Included in XXXX XXXX  They are reporting accurate information on XXXX, and XXXX I used XXXX dispute process on 3 occasions but no change was made I sent email and postal mail to BMG money and they have not updated credit report or responded to me in anyway
Consumer complaint received 2022-12-25
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. (MI)

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. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2021-12-18
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. (CA)

There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX BANK - Acct XXXX XXXX
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Appears I was victim of ID theft, credit card number I do not own and I did not authorize used at XXXX on XXXX for XXXX purchases. XXXX canceled sale. Appears thief generated a credit card with my ss #, since one item was approved and shipped. Put a freeze on my credit at XXXX  and XXXX, can not do so via the automated service at Experian, they say there is some problem with the info. Perhaps thief registered there and used false info. Can not reach a live person at Experian to figure out what is going on there. So far the false card has not appeared on my credit report, but it takes a month or so is my understanding. Also Experian forces you to give them authorization to sell your info, even if you just want to place a freeze. Additionally they want you to write them ... they are very diffcult to deal with and if someone has stolen my information I need to know as soon as possible. I also need to be able to place and remove a credit card freeze online at their site, not by mail.
Consumer complaint received 2023-07-03
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.