davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (MI)

I originally got the loan in XXXX for a trip out of the country. I didn't realize the damage i was going to endure through out the loan. I kept receiving emails to refinance at a lower interest rate which was XXXX XXXX at first and dwindled down to around XXXX XXXX after refinancing. I am basically now stuck in this loan and have been paying for years. 

I recently was laid off and now they will not stop payment until I find a job. they will continue to take money out of my bank that doesn't have the money to pay the loan payment. I don't want to close my bank account I have had for XXXX  years. They will not help me and I am out of options on what to do with this high interest loan. I have paid more then I have owed probably XXXX or XXXX  times over. {$140.00} XXXX  a month. I am still on time but I know what will eventually happen.
Consumer complaint received 2022-02-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: JPMORGAN CHASE & CO. (NH)

I leased a XXXX XXXXXXXX XXXX never was late or missed a payment the lease ended last XXXX I contacted the lease holder ( XXXX ) Chase Bank informing them I wanted to extend the lease for six months witch would have extended it through XXXX They took payments XXXX, XXXX, XXXX when we went to make the XXXX payment it was refused couldn't reason with anyone not even talking to people in this country. One the second week pf XXXX this low bed shows up telling me he's reposing the car showing me no paper work at all I never missed a payment nothing made sense Chase never sent anything to me either. I don't think this is fair at all also in XXXX someone backed into the car and left while we were shopping I had already contacted my insurance company
Consumer complaint received 2023-01-17
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. (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, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXXXXXX 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 2022-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I sent a letter off in XXXX of 2022, to remove personal information that I don't not want on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

Over {$3000.00} dollars of items were fraudulently purchased at Macy 's using my wife 's Macy 's credit card ( I am the owner of the card and she is an authorized user ). {$1500.00} of it was at the XXXX XXXX Macy 's location on XX/XX/XXXX and the other {$1500.00} was at the XXXX XXXX location XXXX both in XXXX ). We weren't aware of these charges until we looked at our bill in mid to late XXXX at which point we contacted Macy 's to dispute the claims ( this process is still ongoing ). The details are attached We're a bit perplexed about how this could have happened for a few reasons : 1. As far as we know, we have both physical copies of the card 2. There's only a {$2000.00} credit limit on the card, so how were they were able to go purchase an additional {$1000.00}?

3. They say the purchase was made under my wife 's maiden name. I suppose someone would have to cook up an ID with that name on it? ( if the store clerks even bothered to check ) I've suggested to Macy 's that a simple pull of the security footage along with the photo on my wife 's Driver 's License would absolve us of any responsibility for these payments. We've also filed a police report. 

I've reiterated this information to Macy 's twice only to receive two identical letters claiming they determined my wife made the charges and that we are responsible for paying for them. My assumption is that someone used our information and that their investigation isn't taking into account physical evidence.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX I set up monthly payments with Navient Student Loans. These are interest only payments as I can not afford anything else due to losing my job during the covid pandemic. 
I have attached the confirmation below. 

Today XX/XX/XXXX Navient contacted my younger brother at his place of employment asking for {$600.00} towards my student loan debt. My brother is not a cosigner nor is responsible for making payments on any of my finances. 

According to 805 ( b ) of the Fair Debt Collection Practices Act, it is illegal for debt collectors to call your family members to discuss your debt.
Consumer complaint received 2023-06-08
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)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2022. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

Opened a Citi Bank Account on XX/XX/2020 under a promotion that said I could earn {$400.00} on depositing {$15000.00} and keeping it there for 60 calendar days. When I asked " How quick is the bonus paid out, '' she told me " With 1 - 2 weeks ''. On XX/XX/XXXX I completed those 60 days and today XX/XX/XXXX I still have not gotten my bonus. After calling Citi Bank to tell them the situation I talked to one customer service rep who I explained the information too and she said " I will transfer you to a banker to switch your account to a basic bank account because you signed up for premier checking. By switching you over to a basic account which only requires a {$1500.00} balance to avoid a fee while the premier checking requires {$10000.00} to avoid the fee and you still get the promotion bonus of {$400.00} for signing up within 90 days. '' First off, the banker told me I would get paid out the bonus within 1-2 weeks and now the Citi Bank rep on the phone is saying up to 90 days? Had I known this, I would have not signed up for the account in the first place! Then, when I got transferred from one Citi Bank associate to the Banker who was going to help me open up the account, I told him everything the other associate had told me about " By switching you over to a basic account which only requires a {$1500.00} balance to avoid a fee while the premier checking requires {$10000.00} to avoid the fee and you still get the promotion bonus of {$400.00} for signing up within 90 days. '' He informed me that this was incorrect and that I had to keep the account open as a premier checking account to qualify for the bonus. It seems that no one has their facts straight and I feel like I was being misinformed the whole time and I do not know who to believe! I simply want my bonus deposited like I was told I would be!
Consumer complaint received 2020-01-14
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. (CA)

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX Account Number XXXX {$380.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 Were not removed in the report. 

TransUnion did not remove this one XXXX/XXXX   {$100.00} XX/XX/2019
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (AL)

I had a back ground check done with my company on this report it is showing that I have in XXXX, AZ and XXXX, AL which I have not or ever plan on living in these two area. 
The XXXX, AZ is showing a XXXX XXXX  XXXX XXXX, AZ XXXX and the XXXX, AL is showing a XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2020-01-14
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. (AR)

XXXX XXXX  XXXX IS STILL REPORTING AFTER THE S.O.L..EXPIRED AS WELL AS RE-INSERTED BACK ONTO XXXX  2012 AND XXXX 14 TIMES. SEE  LETTER FROM XXXX XXXX
Consumer complaint received 2018-03-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2018 I called TransUnion refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with XXXX they refused to investigate the inquiries that were placed on my credit
Consumer complaint received 2023-11-30
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. (CO)

I used to live at an apartment house, address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. I moved out of there in XXXX of XXXX. A XXXX XXXX credit card was opened in my name from a person living at this address in XXXX of XXXX. It showed up in my credit report so I called them to report it as fraud in XXXX of XXXX. They dropped the case in XXXX of XXXX and sent all correspondence to the old address. XXXX seems to take no reponsibility for issuing a credit card to a complete stranger in my name. I need this removed from my credit report and history and they will not cooperate.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (UT)

XXXX XXXX XXXX, ERC, XXXX XXXX XXXX   please follow the law. Attached is now the 5th police report signed an authorized by the XXXX XXXX XXXX police department. I have filed and submitted 2 XXXX FTC notarized affidavit with no resolution from XXXX to remove the reporting. Since you are verifying debts that are due to fraud which is a violation under law. Here is the police report uploaded outlining the fraudulent accounts and information. Immediate deletion from my credit reports would be appreciated. I have done everything instructed from the police department yet Im having to go through hoops with debt collectors and creditors and credit reporting agencies.
Consumer complaint received 2020-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I need help with getting my Annual credit report. I need them from all three companies : Tran union XXXX. XXXX XXXX. Please. The questions that was ask I answer then correctly .And my address has not change.
Consumer complaint received 2022-11-12
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2023-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

I HAVE RECEIVED A LETTER FOM PLUS FOUR INC, A DEBT COLLECTOR CLAIMING I OWE THEM XXXX FOR SOMETHING MY INSURANCE SHOULD HAVE COVERED.REFERENCE # XXXX. I ALWAY PAY ALL MY DEDUCTIBLES PRIOR TO SERVICES RENDERED, PLEASE QUIT BOTHERING ME WITH THIS BOGUS CHARGE, I AM SSDI, MAKING MY INCOME FEDERALLY PROTECTED FROM SCAMS LIKE THIS.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (AL)

Today I received a phone call from XXXX. According to my phone this number is out of Maryland. The person on the other end clearly had an XXXX accent. He proceeded to ask me to verify my name, XXXX XXXX and the last 4 digits of my social. I did, and then he proceeded to tell me he had an email address that i used many years ago, and a physical address that I hadn't been in since XXXX. I refused to verify any current information until he told me what this call was about. This continued until he had his " boss '' get on the call. Again, another person of XXXX accent, gets on the phone. He tells me he is a lawyer and the previous person was a paralegal. He proceeds to tell me that I am being sued. They both start hounding me about the documents and phone calls I supposedly have already received... which I have not. The lawyer excused the paralegal, again told me the call is being recorded and that he was going to read me an avidavit. He said the company suing me is LVNV Finance Funding and the case number is XXXX. He told me I was being sued for uncollected payments to a XXXX XXXX XXXX. When I asked which one, he read off about 20 of them, but wouldn't tell me any specific one. I asked him if he could send me the information, he wouldn't answer, just kept asking me if I was going to hire an attorney, and how I was going to handle the suit. He was nasty and wouldn't give me exact figures either. One time he mentioned XXXX in funds and then attorney fees. I finally hung up, upset, I XXXX  LVNV funding. I called them. They are based here in the U.S. She had no knowledge of me, of any collections related to me. She was confident I had been or was in the process of being scammed
Consumer complaint received 2020-03-07
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: Experian Information Solutions Inc. (TX)

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has completely denied opening accounts even through correspondence on this website though there are no signatures on those applications created through a store in XXXX and online. They even sent their CFPB responses to the wrong address though I have remained in constant contact with Wells Fargo bankers in XXXX XXXX XXXX, XXXX  and now XXXX XXXX XXXX  I have always ensured that my address was updated. Then they claim that this is an issue of identity theft. Why did I ever have so many debit cards open on my account?
Consumer complaint received 2020-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list
Consumer complaint received 2024-03-15
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. (CA)

I have consistently made sure that payments on this account are made promptly, never allowing them to be overdue. I'm uncertain about the rationale behind the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.