davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (PA)

On XX/XX/23, I requested a 90-day payment deferral or reduction on a private student loan that I currently have with the company. After going over the reason for the request ( my husband was off work for 3 months on unpaid XXXX ), my income and my expenses, I was informed that I don't qualify for their one and only option - interest only payment - because I didn't have anything left over to pay the interest only payment. I asked the representative if this was the only option that the company offered and she confirmed that it was. I said to her that the reason I was requesting a deferment was because I had a loss in income and that if I couldn't pay I'd be penalized by a bad credit rating as well as the possibility of wage garnishment. Her response was that if the company let me defer my payment they would be breaching the contract. So, you will cause people default on their loan with you so that they can breach their contract with you and you will cause them a hardship as a result which is terrible business. Her response was to try to find the additional income in order to make the interest only payment. I make the regular monthly on-time via recurring ACH debit and this is the treatment I receive when I need help. I want to pay but need at least 3 months to get caught up with all of our bills but my good repayment history doesn't count for nothing with this company. Sad!
Consumer complaint received 2023-10-23
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. (FL)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. The accounts that I am referring to are the following : -- -- -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 -- -- -Equifax -- XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2024-02-19
Product: Credit reporting 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)

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's explicitly stated that consumer reporting agencies, like Experian, XXXX, and XXXX, must conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I'm asserting my rights supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, categorized as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution and the consumer reporting agencies, Experian, XXXX, and XXXX, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), Experian, XXXX, and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and Experian are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. Experian, XXXX, and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Consumer complaint received 2022-10-14
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: Experian Information Solutions 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. 

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, 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 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 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 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 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong
Consumer complaint received 2021-11-07
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)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (MA)

My ex boyfriend and I each opened bank accounts with Ally inXX/XX/XXXX so we could transfer money to each other easier and keep track of it. He apparently used my social security number to open his as well, although I made it clear I did not want a joint account and opened my own personal account like we had discussed. I recently got an email saying the account was overdrafted which confused me because I never actually even used my own ally account since opening it. I called the bank and they said my social security number was submitted when he had opened his own personal account, which I specifically did not authorize. In order to close out the account the remaining balance must be paid off.
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I obtained my credit reports on line. There were a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
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My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed none of the Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
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The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
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Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
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Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2022-10-14
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$4100.00}
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank (CA)

By phone, I closed my account with XXXX XXXX XXXX, Which is a prepaid card. I was told I would receive a check in the next 2 weeks.

This was XX/XX/XXXX. I still have not received my initial {$1000.00}. pre payment as of XX/XX/XXXX.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NH)

THERE ARE XXXX ISSUES LISTED BELOW : I have disputed this over and over again. I filed bankruptcy and the report ( equifax ) is showing this to be open. XXXX/XXXX, shows open and it should state in bankruptcy closed. All the others on my report are closed except for this XXXX. Yes it belonged to me, yet, they did n't come to the court to dispute it so they lost out. My atty said i do not owe this amount. This should show closed and in bankruptcy like XXXX, and XXXX etc. These show closed. Also, I have been DENIED credit and all XXXX credit reports are saying I can not get my report again because I got XXXX free at the beginning of the year. Since then I 've disputed information that should have been corrected and when I applied for credit they say I ca n't get it. Which is fine but I want to see my report because of it. Please let me know this will be closed as XXXX and then XXXX I will get after they close it out an updated report from all XXXX credit report agencies. XXXX has told me they get all information from XXXX XXXX and equifax IF anything on their site is incorrect ( which it is ) I have to go thru the credit reporting agency which I did. To NO AVAIL. Please correct. Thank you
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Team Recovery Inc. (OH)

On XX/XX/22. The debt collector said we could settle all of my obligations owed to XXXX XXXX XXXX. I made 2 payment in the amount of {$1800.00} and {$390.00}. To resolve all outstanding debt with XXXX XXXX XXXX. I wrote a letter agreeing to pay these amounts if all of the debt owed to XXXX XXXX  would be satisfied. At the time there were 2 accounts for the same injury. Now 9 months later after never receiving a statement for close to a year. They create it to new accounts for the same injury. Stating that I owe XXXX and {$100.00} On two completely different account numbers even though there was only one injury. This injury took place over a year ago and all debts owed were to be satisfied by my finally payment.
Consumer complaint received 2021-11-06
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: CL Holdings LLC (VA)

On XX/XX/2021 JEFFERSON CAPITAL SYSTEM added a derogatory on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say its mine. According to the FCRA, JEFFERSON CAPITAL SYSTEM has violated my rights and I'm requesting legal action to remove account immediately.
Consumer complaint received 2021-11-06
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. (PA)

Im stressed and cant believe to my knowledge its been over 1200 days ago I sent letters about an investigation into items that were Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I closed this card on XX/XX/XXXX and was charged the annual fee for next year, XX/XX/XXXX to XX/XX/XXXX. When closing the card I was told by the representative that the fee would be refunded pending a request by the BofA team. 

I received a statement on XX/XX/XXXX with a balance of {$95.00}, which was the annual fee. When I called Bank of America on XX/XX/XXXX, I was told by the representative that this was denied without any explanation. 

This card is now closed within the year it was open, and I would like a refund of {$95.00}. This is standard industry practice. 

Thank you.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SC)

I went online to purchase a product which requires a login to a website to use the product. This was on XX/XX/XXXX XXXX at XXXX. I have the email from " XXXX '' which is the company that collected my money from my credit card. The company then sent me the information to login and start using the software on the website. 
When I tried to login my login failed and i sent them a request to fix the problem ( via email ). They sent me an email back with a different email address ( not my email address ) and password to use the website. 
I thought this was strange and asked them how this works ; they told me they created a fictitious email and password for me to use while on the site. ( and that this was a secure way for me to work and nobody would know who I was, this is sounding suspicious to me already ) When I logged in ; the site let me start using the program but I noticed that other peoples files were on the site too. Why? 
I immediately sent an email to them asking what was going on and they said don't worry about it ... ( this doesn't sound very secure to me ) Also the site uses credits and as you use different parts of the program you use credits which you must buy more of as they get used up... 
Well I hadn't started using the site yet and noticed that some credits were already gone... 
I contacted the company and again they told me don't worry they could just refill credits as needed for free? Really? How is that possible? how does the company make any money ... .Bare with me this will all make sense in the end... 
Now i am thinking this XXXX  is not on the up and up... So I contacted the support page link that was on the actual website ... that's when i learned what was going on. 
They sent me an email which i will include describing to me that XXXX has hacked/ pirated their website and sells account access from other people who have accounts paid for to XXXX This is clearly fruad! 
I asked for my money back from XXXX and they said that they would give me a credit for other services the sell... I don't want a credit from someone stealing someone else 's software and selling it to me... 
Then I contacted my Credit card company and informed them about the fraud and sent them the emails proving everything I claimed aand they said they felt that XXXX acted appropriately and ruled in their favor... WHAT? selling someone's else 's software account is LEGAL? Sorry This is wrong.
Consumer complaint received 2023-10-23
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.