davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (PA)

After navigating through multiple representatives who all willfully violted my consumer rights with knowledge and awareness of their actions, Halsted Financial Services engaged in retalitory actions agains me by leaving me on hold for over an hour. This was confirmed when i called from a different number and was connected to representative within 5 seconds while still being on hold with the previous representative. After informing the representative of my contractual terms. I attempted to lodge a complaint about my experience, the representative refuse to provide me with a complaint number but instead said she will make a note and i will be contacted at some point in the future. No time frame was given. After 2 internal transfers i was connected to the legal department who attempted to subvert my rights as a consumer using language fraud, false and misleading information, and blatantly lying. I maintained my rights and the representative said it was their policy to engage in such practices. I then asserted that policy do not trump law or carry the weight of law and expressed my unwillingness to forfeit my rights. The representative them admitted that i was correct and in essence all previous representative violated my rights.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

Good afternoon, This is XXXX XXXX, I am sending money to XXXX XXXX XXXX XXXX account number XXXX checking address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX United States, there was a typo by western Union clerk, and one digit is missing from account number, the transfer amount is XXXX dollar including transfer fee. I have opened the case three months ago, and yet I have not received any updates in regards to the transfer. The case number is XXXX, please refund the transaction as soon as possible, So i can transfer to her again. 

Thank you
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MI)

I paid off some negative things that was on my credit, because I'm trying to build and established credit. Once I did that I started getting a lot of emails saying I'm pre-approved for credit cards. Once I started the process I was getting turned down left and right, I couldn't even get a secured card. Now all these hard inquiries have dropped XXXX  score XXXX points. I was in a car accident and was in need of a car I went to XXXX XXXX XXXX to purchase a car, once they came back with an offer I refused and left. I went to a XXXX XXXX and was able to get the car I wanted with a low interest rate, but XXXX XXXX XXXX keep running my credit after I told them I didn't want to work with them anymore. I think that it is unfair that all these hard inquiries will be on my credit report for 2 years when I am trying to build and do the right thing. Credit card companies can lure you in to apply for there card with pre-approval emails know XXXX well they are not going to extend credit to you and be able to have a hard inquiry on your report for years. I also feel that once you leave a dealership they should stop try to run your credit to try and make a sale knowing that all those rejection will hurt your credit score even more.
Consumer complaint received 2021-01-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Credit Acceptance, LLC (FL)

I am a federally protected consumer and American Credit Acceptance did not disclose to me in the initial communication that this was an attempt to collect a debt. The have violated me in several ways in regard to The Fair Debt Collections Act and The Truth in Lending Act. Please see attached documents.
Consumer complaint received 2023-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I am on XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and I am having trouble with my loan servicer, Mohela, updating my Public Service Loan Forgiveness ( PSLF ) employment certified form ( ECF ) payment period counts. 

Currently Mohela lists me as having XXXX ( out of XXXX for PSLF ) eligible payment periods for forgiveness. In XX/XX/XXXX, I submitted a new ECF form ( form XXXX attached ) signed by the XXXX to bring my certified payment periods from XXXX to the required XXXX. Mohela took several months to process the form, and then declared it a 'Duplicate Form ' and did not update my payment counts. I called Mohela in XX/XX/XXXX to inquire as to what happened, and they said the erroneously marked it as duplicate. 

This reprocessing showed on my online account. In XXXX the re-submitted form still showed as processing. In XXXX it still showed as processing. At that time, in XXXX, I had 10 months of PSLF eligible payment periods that were showing in my Mohela account as 'not employment certified '. So, I decided to submit a new ECF form ( Form XXXX ) signed by the USPHS to cover my employment period through XX/XX/XXXX. 

In XX/XX/XXXX, Mohela erased my re-processing form from my 'Documents Recieved ' online status page, and marked my new ECF from XXXX as a duplicate form. My PSLF certified payment count remains XXXX, when it should now be XXXX. I called Mohela, and they said the new form was once again marked 'Duplicate Form ' in their error, and they they would 'expidite ' the reprocessing within 30 days. 

I have been eligible for XXXX since XXXX of XXXX. Since then, Mohela has made two errors in processing my ECF forms by marking them duplicates and neglected to finish re-processing a form that they said they would reprocess because of their own error.
Consumer complaint received 2023-02-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with XXXX XXXX, and credit card accounts from Bank of America, XXXX XXXX, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.
Consumer complaint received 2019-09-24
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: Garcadia Financial LLC (GA)

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX XXXX XXXX approved loan but since I purchased the car, I no longer have access to such document*
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MD)

Macys -acct # XXXX Bal is zero ; past due is XXXX. Macys sent deragatory info to all credit bureaus causing my credit scores to drop by 38 points. In XX/XX/XXXX I requested pay off balance from Macys which was {$79.00} - which I paid via my debit card. Macys - decided in XX/XX/XXXX to send deragatory info to credit bureau that I owed {$2.00} for fees charged XXXX dollars. I have been in XXXX XXXX XXXX XXXX ( XXXX  ) for two years trying paying down my debt & Macys was included. I had been making regular monthly payments to Macys thru XXXX. When I paid Macys off i advised XXXX that I paid Macys off - they removed Macys from my DMP. I had no idea I had {$2.00} yes XXXX dollars remaining balance for fees. I had made no purchases, had no interest- owed nothing on Macys acct. I believe Macys has not treated my situation fair given we are in pandemic. Macys added fees & would not explain to me what the fees were for!! This is unfair treatment & I want Macys to immediately remove the deragatory information from my credit file from all three credit bureaus. 
Macys, XXXX XXXX XXXX XXXX - I Spoke w/XXXX  on XX/XX/XXXX at XXXXshe would not provide her supervisors name. I did pay the XXXX dollars for fees. Thank you. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, Md XXXX.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zions Debt Holdings (NC)

I had an account with XXXX in XXXX. I couldn't pay it and it went into collections. That was 10 years ago! 

This account dropped off my credit report after 7 years. Now they have teamed up with Zions Debt Holdings LLC to attempt to collect this debt. The effective date is XX/XX/XXXX. 
This is long after it dropped off my report. The amount they are trying to collect is {$1100.00}. They can not come back three years later and put it back on my credit report!!
Consumer complaint received 2018-02-10
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. (IL)

Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries.

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA.

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing.

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter.

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.

Thank you for your attention to this matter.
Consumer complaint received 2023-02-17
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received a postcard from your branch addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which stated an initial one-year fraud alert was added. As far as I believe, your company must be extended into 7 years. And your branch asked me how long I wanted to be extended and I remember I answered until XXXX. I sent already necessary documents several times. I even sent the copies of my XXXX passport twice. I believe they have arrived at your office. If not, there might be some fraud activity of the United States Postal Service. Please check with USPS regarding them. 
Besides, I received another credit report from company based in Arizona state. And this report has all my banking information, such as credit and saving accounts. I am not sure why the report of your company does not have the information. Arizona might have some its own regulation to include these banking accounts information in the credit reports of identity theft victims. I request your company will give me the explanation why your company does not have the information in my report.
Consumer complaint received 2024-01-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I am not the account holder associated with the aforementioned creditor, and I believe this to be a case of mistaken identity. It is distressing to learn that my credit report has been inaccurately linked to an account that I have no knowledge of, and I fear that this misidentification has occurred due to the wrongful association of the theft victim with the alleged thief. I am a victim of identity theft, and I have taken immediate steps to dispute this account with the creditor in question. They have acknowledged the fraudulent nature of the account and are working to rectify the situation. However, I am adamant that there has been a misunderstanding, as I have no knowledge of the account in question, and it appears that my identity has been wrongfully associated with fraudulent activity. 
XXXX XXXX XXXX  XXXX - FRAUD, PLEASE DELETE!!! 
I insist on a thorough reexamination of the verification process, as I am confident that an error has occurred. It is crucial for the accuracy and integrity of my credit report that this wrongfully verified fraudulent account be removed promptly. I request that you conduct a diligent investigation into this matter and, upon verification of the inaccuracies in the reporting, proceed with the immediate removal of the wrongfully verified fraudulent account from my credit report. I also expect regular updates on the progress of the investigation within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-09-04
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. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FRCA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 US code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer to whom it relates. I NEVER GAVE this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-29
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: Bread Financial Holdings, Inc. (FL)

Hello, I have made a payment to Comenity Bank on XX/XX/2022. The card is under BJS logo. 
I have send them payment proof. Untill now the bank is refusing to acknowledge the payment. 
I have provided all the documents related to the electronic transfer from my XXXX XXXX account. Comenity bank still refuses to acknowledge the payment. 
I tried to call customers service and none of them was helpful as they did not have any authority to transfer me to a manager. When I finally talked to a manger after many phone calls and emails I was told there is nothing that can be done. I was advised to wait as the Comenity bank has computer issues since XX/XX/XXXX and can't locate payments of many customers.. 

I have been waiting since XX/XX/XXXX, we are at the end of XXXX. That is 4 months already. I need my money as I have a credit with them.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXXXXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U. S. C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. 15 U. S. C. 166b A. Creditors may not treat a payment on a credit card account user an open end consumer credit plan as late for any reason. This has nothing to do with FRAUD!
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

In accordance with the Fair Credit Reporting act XXXX {$570.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I had contact with the collection agency Portfolio Recovery on today, XX/XX/19 regarding a letter indicating they purchased a debt that belongs to me. According to the letter and the comments made by their Operations Manager XXXX, the debt was purchased on or about XX/XX/19. I initially discussed a settlement offer with an agent and also inquired about credit reporting. I simply asked since the debt is not currently credit reported by Portfolio will my payment arrangement for the settlement offer prevent credit reporting. The agent was unable to answer my question so she put her manager, XXXX on thee phone. When XXXX came on, he appeared to be combative and argumentative. When I asked him the same question about credit reporting he stated their company has already sent notification to the credit bureaus upon the purchase of the debt. I asked how could this have been done when I have 30 days to dispute or acknowledge the debt prior to credit reporting and that today, XX/XX/19 was my first and only contact with them. He stated because I owe a debt that they purchase and they have a right to do so. I informed him if notification of the debt has been sent to the credit reporting agencies within the validation period, they have violated FDCPA and FCRA