davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (NJ)

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. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXX XXXX XXXXXXXX number - XXXXXXXX XXXX XXXX XXXXXXXX / account XXXXXXXX XXXX XXXX  / account : XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account : XXXX XXXX / account XXXX XXXXXXXX XXXX XXXX XXXX / account : XXXXXXXX XXXX. Account : XXXX XXXX XXXX XXXX / account : 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 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 2020-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

Last week, Congress passed and the President signed into law the CARES Act which clearly states in Sec. 4513 that Education Secretary XXXX shall suspend all payments due for loans made under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for 3 months. The Act goes on to prohibit the accrual of interest in such loans. And, most importantly, the act requires that for each month that loan payments are suspended, that the Education Department treat the loan as if it were paid for purposes of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965. However, the Education Department has taken the position on its website that this does not  include forgiveness under the PSLF program, and I have not received a response from FedLoan on this issue either. I am concerned Secretary XXXX and the Department of Education are not following the law and are directing loan servicers to do the same.
Consumer complaint received 2022-12-28
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. (IN)

There are several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), 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 2020-01-07
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 (MI)

i try to transfer my amex reward point to airline program at XXXX. i get the following information. 
This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 
i call the customer service and they say that my account is under review and they did not know when they could unlock this. I can do nothing with my amex account now
Consumer complaint received 2022-10-11
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. (PA)

My name 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 XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-23
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED {$0.00} XXXX
Consumer complaint received 2020-03-23
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: Experian Information Solutions Inc. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX  XXXX {$4900.00}
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Accounts, Inc. (MD)

I am a resident of Maryland and being around the DMV, my entire life. After high school, I decided to join the XXXX, upon my graduation from high school in 2016. My recruiter was stationed in North Dakota XXXX, according to the timing for deployment that was the earliest. I drove to North Dakota met my recruiter her name was XXXX, she advised that I should be in North Dakota for some preliminary training before deployment for approximately three months. She recommended and drove me to XXXX XXXX apartments in XXXX for a short-term rental, the rental was for three months and We had anticipated I could be XXXX within the time frame. I did get XXXX within the time frame and left for XXXX XXXX. Returning to my then station, check my credit and realized XXXX XXXX had sent my name to XXXX XXXX for owing rent. I explained that I am exempt under the XXXX XXXX XXXX XXXX, but theyve kept this wrong information from XXXX till now. Every time I call, I will be treated with gross respect and insubordination, they will insult me calling me all sorts of names. Reiterating they will never take this wrong information from my report.
Consumer complaint received 2020-03-23
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. (GA)

I have proven that these accounts do not belong to me and that the information is not accurate and the companies continue to place in accurate information on my personal credit file. I have no other choice but to try to rectify this false informations being reported on my personal credit file.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/20 I filled out an online credit application with the car dealer, after they reviewed my credit I decided not to continue. On XX/XX/20 they contacted me again to see if I may still be interested in a car, in the conversations via text messages there was no authorization to run my credit or that I wanted to continue with a credit application. They ran my credit without my knowledge of it being done, and this time it was 6 total Inquiries that included other credit companies. I contact the dealer and I have not received a call back from management.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (CA)

I stopped using XXXX XXXX services and move from my house the with internet service in XX/XX/2018. After this, I canceled my account with them. After canceling my account, they continued to charge me for services they never provided on an account that had already been closed. I do not owe them any of the money that they are requesting.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (LA)

In XX/XX/2019 Comenity Bank indicated that it would start charging interest on one of two NO INTEREST accounts for XXXX   services. 
These were two XXXX  charges which Comenity combined into one for its convenience. 
I have made more than minimum payment during the life of both accounts. 
Comenity did not distinguish between the minimum payment between the accounts. 
I had no control over which account my payments would pay. 
I believe that if Comenity had applied more of my payments to the account with the nearer deadline, it would not have charged me interest staring in XXXX. 
Further, as Comenity applied payments according to what it says are in its agreement with me ( which I doubt that I acknowledged ), it did not let me now until AFTER it applied the payments what it had done. 
Further still, the alleged " minimum payment '' is apparently NOT the minimum payment to avoid interest. That is misleading or worse. 
I doubt that Comenity would apply any future payments to the account that I will indicate.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020, I reviewed my Transunion credit report because I am preparing to purchase a home. Upon review, I have a collection account from XXXX XXXX. When attempting to find out information about this company, I couldn't even find a legitimate website, verifying who this collector even is. I have never received any notification from XXXX XXXX notifying me of a debt. Nor did I ever receive any written notification from XXXX XXXX regarding my right to dispute debt within 30 days. I also was never provided with any documentation proving that I have any obligation to pay any debt. Further, I have never had any contract or obligation to pay XXXX XXXX  XXXX. I don't owe any money to XXXX XXXX, nor do I owe money to any third party XXXX XXXX claims to represent. XXXX has damaged my credit and violated my rights under FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows. Per the FCRA, all accounts on credit reports must be verified. Transunion is the only credit bureau that has this fraudulent account listed. This is illegal. Transunion and XXXX illegal and unwarranted actions have damaged my credit and my ability to obtain credit.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

CASE NUMBER - XXXX On XX/XX/2018 I opened a new checking account at Bank of America, Ending in XXXX It was opened at Branch in XXXX XXXX, IL by XXXX XXXX ( XXXX ) XXXX. 
I had a promotion applied, deposit {$4000.00} in 90 days and a {$300.00} Bonus would be issued. 
As of today, I continue with direct deposit, and have not received my promotion bonus of {$300.00} for new accounts. 
I contacted the branch and had no response. 
Then I mailed Bank of America twice, received CASE NUMBER - XXXX and was told that I was not eligible, no more detail. 
I firmly believe that I followed the terms of promotion, can you please credit my account with the {$300.00} sign up bonus. 
Thank You
Consumer complaint received 2020-04-16
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. (MO)

After looking over and reviewing a copy of my credit report i noticed that the credit bureau is still reporting an address on my credit report. reporting inaccurate information. i want my credit report only reporting accurate updated information. i have sent letter after letter and they are still reporting. Also they are reporting a XXXX XXXX  in which they say that XXXX XXXX is reporting but when i contacted them i was told that the credit bureau is reporting it.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

XX/XX/2020 purchased tires at NTB and opened an account which was from Citi. 
I never received a card or statement from Citi, so I called on XX/XX/2020 and spoke with collections knowing that I probably needed to make a payment. I told the Citi collections reps about the fact that I never got a card or statement. They said it had the store location as my address which was wrong. i gave them the correct address and said I needed to get the card that was sent to the store cancelled because I have no idea who or where it is. Citi collections ( twice ) told me I have to call customer service to have this done. I have called three times and been on hold 40 minutes, 28 minutes and 28 minutes. I have also complained on their XXXX page and sent them a PM. It seems a lot of people are experiencing this with Citi bank.

1. I need to get the missing card cancelled asap.

2. I need to get a new card and billing statement to check my balances etc. and be able to set up an online account.

3. Citi is not helping or communicating with customers. Only the collections dept. answers the phone. 

What can I do???? 

XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX with account # XXXX opened on XX/XX/2022 and a balance of {$44000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Pleaseprovide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2020-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

DO NOT CLOSE THIS AS A DUPLICATE. THIS COMPLAINT CONTAINS ADDITIONAL INFO WHICH PROVES THAT TRANSUNION IS INCORRECTLY REPORTING. 

The attached transcript clearly states that my XXXX XXXX was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due. '' It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period. '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Federal Student Aid.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Unofficial Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. ED/XXXX   has incorrectly reported two separate trade lines beginning with account # XXXX as late on XXXX and XXXX which has negatively impacted my credit ( Page 3 and 4 of attached credit report ). As per the FCRA incorrect information must be REMOVED as also per the FCRA I have a right for all information on my credit report to be correct ( see highlighted sections of attached XXXX XXXX_TransUnion Personal Credit Report.pdf ).
Consumer complaint received 2024-02-25
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: Experian Information Solutions Inc. (NJ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have a car loan through Santander, they have repossessed my car XXXX times which led me to file bankruptcy because they will not work with me, the car has a negative equity of XXXX and they are asking for the full amount to be paid which changed from XXXX to {$13000.00} I really need my car and help resolving this issue they picked up the car recently XX/XX/22 and they will not accept payments. They are getting over on thousands of people I really just need my car back the rep I spoke to told me I have XXXX weeks to come up with the money.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After looking over and reviewing a copy of my credit report i noticed that the credit bureau is still reporting an address on my credit report. reporting inaccurate information. i want my credit report only reporting accurate updated information. i have sent letter after letter and they are still reporting. Also they are reporting a child support in which they say that child support is reporting but when i contacted them i was told that the credit bureau is reporting it.
Consumer complaint received 2022-12-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

A speedy cash loan account ( XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (UT)

XXXX & XXXX are both reporting this erroneous account for CBE Group -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact CBE and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed
Consumer complaint received 2020-04-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6300.00} -This is not my account.