davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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: AMERICAN EXPRESS COMPANY (NJ)

the issue involved protection of a computer purchased from XXXX. 
i had bought a computer from XXXX  a couple of years ago.when i first called and was instructed from XXXX XXXX  XXXX on phone to bring cable down and they said they will check it.so i drove to them and when i went into store they said we don't do that here.so then i drove to XXXX  XXXX  and they checked it and said it was fine.so i called XXXX  in XXXX and spoke to a person explaining i need a new computer so i brought everything to them.and said i need all documents transferred to new computer along with many disc and they said they would do that.after doing all this i was having the same problem with computer could not get on.it was the screen that they never checked.i ran back and forth to the store over 10 times spending over XXXX in gas and my time.in one of the time the guy told me it was fixed and needed to come down and put my password in.so i did and it was not fixed.i was XXXX.so i used my amx card so i would be protected and they did nothing! i sent them information in writing from store manager what they did not do to amx. 

i fought this for over two yrs and amx did nothing to help me with this problem.but the company XXXX  refunded me XXXX for what happen this is what amx should have done.after this amx wanted full payment of the whole bill when it was always monthly payment.then one day i get a call from someone saying we want payment from a collection agency.never received a letter and i am dealing with amx i did not no if this was a scam.so i have been making payment ever since this all took place did not miss payment i have all record of payments to amx. every month.on top of everything else on the statement it says i quote { this statement is for information purposes only.this is not a bill } THATS FRAUD THEY HAVE BEEN CASHING THESE CHECKS! AND THIS I BET HAS HURT MY CREDIT SCORE.THIS IS A VERY CROOKED COMPANY
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing XXXX XXXXXXXX XXXX concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2022-12-29
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)

PA 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 An 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 2022-08-18
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. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX hard inquiry on XX/XX/22, 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 2019-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Hello - In XXXX of XX/XX/2018, my mortgage was transferred to another company. There were 2 payments not applied to my account during this process ( end of XXXX/beginning of XXXX ). I have bee trying to work this out with the current mortgage company since mid-XX/XX/2018. I have sent banking info for the ACH withdrawl 's and tracing info from my XXXX account to XXXX. Emails and calls are simply transferred to a different department and they tell me either no one can assist or they will look into it. It has been 4 months and I have gotten no where. 

Payments are still made to XXXX ( via mail now ), but the below is who the account was transferred to ( email XXXX ; XXXX ) : XXXX Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX  listed three key factors that adversely affected my credit score ;  two of them were : Proportion of balances to credit limits is too high Amount owed on accounts is too high These are false. My combined credit limits ( on two cards ) is over {$32000.00}. On XX/XX/XXXX, when the credit report was run, their balances were XXXX. XXXX dollars, XXXX cents. For as long as I've had those cards, they have been paid off in full, on time or early. 

Experian and XXXX  listed these factors as well. 

Please advise.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I have had two XXXX and applied for social security when I turned XXXX. When I turned XXXX, I needed to confirm my SS account to obtain a copy of my XXXX card, and went to the SSA.gov website. I was asked about two loans that I did not recognize, 1 ) a bank/auto loan from XX/XX/XXXX, and 2 ) a bank/auto loan from XX/XX/XXXX. 
I have requested a mailed copy of my credit report from XXXX, but am concerned there has been fraudulent activity ( by a neighbor upon his release from prison ) using my social security number that is now showing on my credit report.
Consumer complaint received 2019-04-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX has neglected to remove themselves from all three of my credit reports. They have sold this debt to another creditor and are NOT collecting on any debt in my name. CRA policy instructs debt collectors to delete their reported collection if they no longer have active collection authority.
Consumer complaint received 2023-02-07
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-09-18
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Credit & Finance, Inc. (CA)

Hello, I would like to complain about the debt collection from the agency XXXX XXXX XXXX. I was a cosigner for a former friend, who had a XXXX. She opened up an account to make payments on a credit on XXXX, XXXX with the company, XXXX XXXX, but needed a cosigner just in case the payments were not met. She made it seem like she was responsible enough to make them, so I said yes.I was not aware of the documents and the requirements to be one, and she knew of this and took advantage of the situation and filled out my information. I was not aware she was supposed to hand me documents and she forged my signature. Saying yes to be a cosigner were just words, but it being signed and dated by the actual person or to have it in writing by my permission of course are two different things. What if I had changed my mind? I was young and was only saying it to be a good friend. I was not aware she topped making payments until the debt collection company, Atlantic Credit & Finance Incorporated contacted me in XXXX, XXXX after she stopped making payments.The debt collectors turned to me and my information and started asking me for payments on XXXX of XXXX for about {$9800.00}. I have called and spoken to people from XXXX XXXX and Atlantic Credit. I told them I did not sign any documents pertaining to the documents needed to sign for a cosigner and even disputed the account in XXXX, XXXX, but it seems like they can not do anything to remove my name and my information from being a cosigner. I reached out to Credit people from XXXX  in XXXX, XXXX, to explain the situation and they refused to give me any information on the account, even though I am the supposed cosigner, but because I am not the primary account holder, which would be my former friend in debt. They have been sending my letters in the mail with her name on it, asking for {$7500.00} and have called me on several occasions. Also, I do not know the company 's location where she got her XXXX, because they have refused to give me that information as well. Thank you for your time
Consumer complaint received 2023-08-17
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. (LA)

I am not liable for the debt with XXXX. I do not have a contract with XXXX XXXX XXXX. I requested copy of contract never received it. This account have been removed from my consumer report 2 times and keep coming back after you all advised them to delete account off my consumer report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a complaint against XXXX. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from XXXX to XXXX. I received 2 letters from XXXX ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted XXXX upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in ONE DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
XXXXThe U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/2023. XXXX  This report made by XXXX to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request removal of the following information that appears in error on my consumer credit report. The information which appears on my report does not relate to any usage that I have made. It is a result of improper use of my credit information. 

I am writing to file a formal complaint regarding the incorrect usage of my credit information and potential exposure to the dark web. I recently discovered several unauthorized transactions on my credit report, which have led me to believe that my personal information may have been compromised and utilized for illegitimate purposes.

Upon reviewing my credit report, I noticed transactions and activities that I did not initiate or authorize. These transactions not only reflect improper credit usage but also raise concerns about potential exposure to the black market. It is alarming to see my credit information being misused in this manner, and I am deeply troubled by the implications it may have on my financial well-being and personal security.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request that all unauthorized transactions and activities be removed from my credit report immediately. Additionally, I implore the bureau to implement measures to prevent further unauthorized access to my credit information and safeguard it against future misuse. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (AZ)

I called XXXX and EQUIFAX on XX/XX/XXXX regarding erroneous inquiries that were placed on my reports without my consent. When I called in they told me they would be working on getting this inquiries removed and since then there has been no changes made for inquiries done erroneously. 

XXXX Erroneous Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiries done 2 times by this company XXXX Erroneous Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries done 2 times by this company
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted XXXX, XXXX, Equifax and the original creditor XXXX XXXX XXXX and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (FL)

I've checked my credit report and I'm studying my consumer rights. I've spotted an issue with account number ending in : XXXX from XXXX XXXX. There's a {$0.00} balance with a 60-day late payment, and this violates my rights under the credit reporting act. According to 15 USC 1681 Section 602, I have the right to privacy. In 15 USC 1681 Section 604A, Section 2, it's stated that a consumer reporting agency can't provide an account without my written instructions. Also, per 15 USC 166B, a creditor can't label a payment on a credit card account as late for any reason under an open-end consumer credit plan.
Consumer complaint received 2019-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Navient, our loan servicer continues to misapply principle/interest. Some months they will apply XXXX dollars to principal and put everything towards interest. Our loans are a fixed payment each month and we have made every payment on time or ahead of schedule. The principal portion of the payment should be increasing each month as the balance decreases. In the last two years our principal payments have ranged from XXXX to {$240.00} and are vastly different from month to month. I have tried to get Navient to explain this and/or correct it, but have not been able to get a response from them. Our normal loan payment is {$400.00}. Since the loans originated in 2013, we've made payments of {$31000.00} of which {$10000.00} was applied to principal. Our original loan amounts were {$24000.00} and {$33000.00} for a total of {$57000.00}. Our current loan balances from Navient 's web site this morning are {$20000.00} and {$27000.00} for a total of {$47000.00}. 
I filed a complaint back in XXXX, but Navient refused to respond to your inquiry stating that my name was not on my wife 's loan. Navient has assured us that my name is in fact on the account and they should have no issue responding to this complaint.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have no knowledge of this account. I believe my identity has been stolen and information has been used to obtain a loan with XXXX XXXX. Company name : XXXX XXXX Amount : {$750.00} Date : XX/XX/2021 Account # : XXXX Reference # : XXXX I reached out to XXXX XXXX and they gave me the information to a third-party debt collector. I obtained all information from National Credit Adjusters ( NCA ) about the account.
Consumer complaint received 2019-04-22
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: Equidata, Inc. (CA)

XXXX XXXX XXXX XXXX XX/XX/2018 30 day late XX/XX/2018 60 day late Contacted them, they failed to validate the late payments
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (OH)

My car was repossessed in XX/XX/2023 and I paid them off in XX/XX/2023 to the tune of {$5000.00}. I have had to call them over XXXX times regarding the release of my vehicle. As of XX/XX/2023, They still can not seem to get the release to the correct company that is holding my car. They have lied about everything from the beginning including that I had to take their service contract for {$2400.00} to get the loan. They have lied repeatedly to me regarding releasing my car for over XXXX months after it was paid in full. Now they are trying to add money owed for the storage of my car that they will not release. They are telling me I still owe {$150.00}!! I have not been able to work in those XXXX months and XXXX now about to be evicted. I literally can not afford to feed myself, and when I call them, its always oh, youll have to call back tomorrow. I have been called upwards of a dozen times in XXXX day by them. I literally have nightmares every night about this company and losing my vehicle and becoming homeless. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX