davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
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. (MA)

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX. 
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update.

3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof.

4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal. 
6 ) This collection is illegal, and XXXX XXXX XXXX is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX  recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations. 
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I recently received a bill in the mail that was a 60-day past due bill for a student loan that was supposed to be in grace period ( I graduated in XXXX of XXXX with my final degree ). The last notice I received stated that the covid extension was ending soon but I was still in school so I should not have had a payment, regardless. This was early XXXX. I had not once received notification that a bill was due, and would have gladly paid it on time if I had received it. Instead, the bill was past due when I had no prior knowledge a payment had been due. I was contacted by the university instead after the fact. I attempted to contact XXXX by phone, of which I was on hold for almost 2 hours before hanging up. I instead called the university and they stated that XXXX had attempted to contact me by mail and school email in which I have not had access to in almost 5 years. I still receive mail at the address that was provided and as stated above I have not received a notice from XXXX about a payment due, but a letter from XXXX  XXXX XXXX when the bill was already 60 days past due. I asked why another notice wasnt sent by the school before it got to the point of being past due if they are able to handle the same matters, as to which I was given no explanation. I paid the past due amount a few days ago, which is not a problem. But I was informed that the past due status was reported to the credit bureau on XX/XX/XXXX, again, with no prior knowledge on my end of a bill being due by mail or by phone. When I asked the representative at XXXX  XXXX XXXX if she can assist with removing this from my report she stated that I would have to file a dispute. I would like this removed from my credit report. I have never missed a payment to any creditor, and this will negatively impact my credit report and corresponding score. Also to note, I check the federal student loan website pretty frequently and it never updated to indicate there was a payment and how much.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I contacted Equifax in reference to inquiries that were placed on my account after a freeze was in place. When I explained to the first representative, he stated they were placed before the freeze was in place in the same day. When I asked can he please verify because I know what time I locked my account. I somehow got disconnected. The same happened with the second representative.
Consumer complaint received 2020-03-17
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. (MA)

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX. 
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update. 
3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof. 
4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal.

6 ) This collection is illegal, and XXXX XXXX XXXX is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX  recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of  Massachusetts permanently. 
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations. 
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Consumer complaint received 2022-12-31
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. (NY)

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.
Consumer complaint received 2022-12-31
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. (NY)

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.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Experian did not bother to review what I submitted supporting that the new posting from credence resource management is another post for the sale to another company/reaging of the debit I had previously disputed that was shown under XXXX XXXX. Experian dispute results says XXXX certified to them the information reported is accurate which shows account opened date XXXX of this year.
Consumer complaint received 2024-03-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I am writing to you regarding the late payments reflected on my credit report. After reviewing my credit report, I noticed that there are several instances of late payments listed, and I would like to request their removal. XXXX XXXXXXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, 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. (FL)

The following Inquiries do not belong to me : XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-16
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT AND I HAVE ALWAYS TRIED MY BEST TO KEEP MY IDENTITY SAFE. I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-07-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$820.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$280.00}, and DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}.
Consumer complaint received 2022-12-31
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. (FL)

This is a notice for a Cease and desist.I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties XXXX XXXX XXXXXXXX, XXXX, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Consumer complaint received 2020-03-29
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: AES/PHEAA (FL)

I've sent three credit report disputes to XXXX, XXXX and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NJ)

On XX/XX/2019 I contacted XXXX again after multiple times about not providing the description on how their investigation was conducted on multiple violations as required by the FCRA : They no longer own this account as it was transferred to a 3rd party. Therefore, they can not have a balance. 

They still have not complied within the legal time allowed and refused to provide the investigative methods used. 

They are in violation of multiple FCRA violations
Consumer complaint received 2022-12-31
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. (FL)

This is a notice for a Cease and desist.I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties XXXX XXXX XXXX XXXX THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (DE)

On XXXX of XXXX I tried to cash a personal check that I received from my dad for XXXX. It was {$350.00}, but half of it was for my husband. So I waited for my check to clear, then I tried to send half of it to my husband. Then my bank which is Ally, flagged and locked me out of my account. I called my bank to ask why did I get flagged and locked out? Customer service didn't give me a straight answer on why this happened. So I waited for a while then called back and still didn't get no where. So I called my dad and asked if the {$350.00} left his bank which is XXXX XXXX  he said the the funs has left his bank. So I don't know why I'm locked out of my account when my check cleared and has left my dad 's bank. I normally make transfers to my husband from my bank accounts using XXXX but since my bank decided to decline the transfer that I definitely had enough money to cover. I only needed to send my husband {$170.00}. Now I'm in the negative with XXXX
Consumer complaint received 2020-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

Received a letter on XX/XX/2020 ( dated XX/XX/2020 ) from a company called Amsher saying that I owed {$160.00} to XXXX XXXX. I have NEVER had an account with XXXX, and I have {$0.00} debt. This is fake debt and an attempt to collect on a fake account. 

Info below : Original creditor XXXX XXXX XXXX Creditor 's Acct # XXXX Amsher Acct # XXXX Total due {$160.00} Phone XXXX
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NV)

Issues : - Nelnet took 3 months to process my application during which time I accrued a huge amount of interest. Borrowers should be able to recoup this as they are not at fault. 
- I was wrongly placed in REPAYE instead of XXXX by Nelnet and had to reapply for XXXX. 
- Under the XXXX plan my payments are {$1200.00}. 
- To date I have paid a total of {$150000.00} - a more than I originally borrowed ( {$100000.00} ). 
- I have been in repayment since XXXX and have never defaulted. 
- I am unemployed and have XXXX income since my XXXX benefits expired in XX/XX/XXXX. 

Details : I applied on XX/XX/XXXX for a new XXXX plan. I waited on hold for over XXXX hours to talk to a Nelnet representative as the information on how to apply for the XXXX plan was unclear. I was walked through the process with the Nelnet representative and submitted the application while we were both still on the call. I was not given an option to select the XXXX plan on the application, instead it stated that the plan would be chosen by my student loan servicer. The Nelnet representative assured me that I would be placed in the XXXX plan. 

On XX/XX/XXXX I received an email from Nelnet stating, Your IDR Plan is effective on XX/XX/XXXX for up to 12 months. Your monthly payment amount for your qualifying loans will be {$0.00}. There was no mention of which XXXX plan so I wrongly assumed I was in the XXXX plan. After some digging I discovered I was in XXXX, not SAVE to my surprise. I reapplied on XX/XX/XXXX and this time I was given the option to apply for the XXXX plan. I received an email on XX/XX/XXXX stating, Your IDR Plan is effective on XX/XX/XXXX for up to 12 months. Your monthly payment amount for your qualifying loans will be {$1200.00}. 

I have been unemployed since XX/XX/XXXX. In XX/XX/XXXX my XXXX benefits expired and I have XXXX income. My health continues to suffer and while I really want to get back to work I can not estimate when that will be. 

I called Nelnet on XX/XX/XXXX after the plan came into effect on XX/XX/XXXX and I could indeed confirm that the monthly payments were {$1200.00}. The representative confirmed that the payment should be XXXX based on my circumstances but after some time on frequent hold, I was informed that the case was being referred to another team who would investigate and respond, usually within a XXXX day timeframe. I was advised to not make payments and that my credit would not be affected. To date, Nelnet has not responded. I have received several emails from both Nelnet and the XXXX Department of Education informing me that I am past due and that I need to make a payment.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (OH)

XXXX XX/XX/XXXX, I received an email indicating that my credit card with Apple ( Goldman Sachs ) had been closed because " There was a failure to comply with the terms of the Customer Agreement. '' When I attempted to call to ascertain what terms or conditions I had violated, I was told to read the terms and conditions. I am unsure if I should guess what I purportedly violated.

I have never missed a payment and have always paid promptly. I am uncertain what I could have violated. I did write to them recently to ask for a credit increase ; if there was an answer to shut the account down, I am uncertain how that was in violation. 

This also occurred when I had an issue on XX/XX/XXXX where they had been restricted by card without any information. 

I want my account to be reinstated. I have not done anything wrong. 

Respectfully,