davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX This is not my ACCOUNT AND IVE SENT IN AN FTC REPORT DISPUTING THIS ITEMS AND NOTHING HAS BEEN RESOLVED PLEASE REMOVE FROM CREDIT FILE Late Payment for XXXX XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX This account is fraudulent and does not belong to me Ive never did business with this place Credit Inquires on XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is an incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is an incorrect address
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC (MA)

On XX/XX/2021 XXXX XXXX XXXX XXXX, of Rubin & Rothman LLC posed as the attorney of XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
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: Consolidated Information Services Solutions, LLC (WA)

I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later.

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The three credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for XXXX and XXXX  to help devaluate the dollar.
Consumer complaint received 2022-05-13
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-05-13
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. (IL)

In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 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 a account without my written instructions.
Consumer complaint received 2022-05-13
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. (IL)

In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 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 a account without my written instructions.
Consumer complaint received 2022-05-13
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. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX, Account Number 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

In accordance with the fair credit Reporting act this company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (PA)

This account is closed Self account they are still sending statements and trying to collect making this account still open when there is no activity I have called to make them aware they acknowledge this but still give negative credit reporting also balance is incorrect they have added additional fees I do not owe at all this is very deceptive on there part.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I submitted a school misconduct application for my private student loans for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX noting, the XXXX administration has proven that this school and its parent company engaged in misconduct that led me and thousands of other students to enroll without the proper recourse and under false pretences. The department of education has cancelled all federal student loans for this school and its parent company because of the previously mentioned, proven misconduct. 

When I reached out to Navient about this matter in a separate complaint they stated they were piloting a program that would behave similarly to the process of dismissal for federal student loans that i've worked on in the past for this school. 

I completed a thorough document they mailed to me as well as provided documentation and back up, I took this application as serious of a matter as the XXXX application, provided almost the same exact answers to each question they asked, the federal application was approved months ago but Navient denied mine in XXXX and did not provide a reason for the denial. 

Navient knows this school has been proven to have engaged in misconduct and should dismiss my student loans without the need for me to fill out a very long and complicated document that has no clear indication from Navient as to what the requirements are, how they determine if XXXX is or is not eligible for this dismissal or not. 

It is unfair and unethical of Navient to know that misconduct has been proven for this school but denied my application for dismissal. 

Navient 's document was long, confusing, had very little room to fill out question and in certain places was very misleading. When it came to attaching supporting documentation I attached a lot of relevant and important information such as court cases, articles published by the department of education and images from the school 's website from that time period. 

Navient is not acting in good faith by having denied my school misconduct application and needs to provide a valid reason why they denied it. 

Note, supporting documentation should also not be needed if the very own Department of Education has proven that XXXX XXXX preyed on people trying to better their lives and set them up for failure. 


XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I pulled my Transunion credit report from annualcreditreport.com and noticed a few inquiries that i did NOT authorize nor do I have any open accounts with the following Financial Institiutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX IN Made contact with the credit bureaus and nothing has been resolved.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (OH)

I have made numerous phone calls, one as recent as yesterday ( XXXX ) where I called AND emailed them to do TWO THINGS : 1. To REMOVE my consumer statement that has been on my report since XXXX 2. To show that my student loans have been paid-off since XXXX. 
I sent a request in writing to XXXX on XXXX and called that day and requested that these situations be resolved ... .again. At the time, there was also a problem with another loan that I had paid off that they were not showing paid and after I sent them proof, that " was '' correct, but the other issues were " under investigation. '' Well, late yesterday, at XXXX XXXX., I spent a half hour on the phone with " XXXX '' ( XXXX XXXX ) at XXXX trying to find out what was going on. She was extremely nice and after putting me on hold for a long time, she assured me that the " consumer statement '' was removed because " it was not showing up on her side '' of the system. I kept showing it when I logged in, and even when I logged out and back in, the statement was still there. She then advised me to log-in on XXXX, which I just did, AND IT IS STILL THERE! When I called last night, I explained to her that I received this confirmation in the mail from XXXX that they did it and yet it was still on my report. I read her the confirmation number and she said that something was wrong but that she has seen where this has happened before. She then put me on hold and came back and said she corrected it, but apparently not! 

As for the school loans, that is there too, despite the fact that I sent them documentation that it was paid off. My credit report should only show that I have a home equity line and that it has an EXCELLENT credit history. My credit is being hurt as a result of this and I would like it corrected. Thank you.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (MO)

NewRez is egaged in fruaglent lending practice. 
They NewRez discrimination by not allowing all of my income to be disclosed. 
NewRez XXXX my political job could not be counted when the Federal Government allows it on my taxes. 
I would like an investigation
Consumer complaint received 2022-05-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX and XXXX accordance with fair credit reporting act XXXX  account XXXX, XXXX and 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 an account without my written instructions
Consumer complaint received 2022-05-13
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX,, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Act. #, 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
Consumer complaint received 2022-05-13
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-09-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Modoc Tribe Financial Services Authority (LA)

On XX/XX/2023 XXXX XXXX contacted me at my place of employment demanding that I pay an alleged debt. I did not give XXXX XXXX my work number. I called them back later on that day of XX/XX/2023 and told them that my employer forbids these kind of calls and to please cease and desist all calls and communication with me immediately. I am still receiving calls and emails from this company. This company is still calling my place of employment harassing me.
Consumer complaint received 2022-05-13
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: CORELOGIC INC (CA)

CoreLogic Credco, has violated my rights as per 12 CFR Part 1022 ( Regulation V ) 1022.22 Scope and duration of opt-out.
Consumer complaint received 2022-05-13
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge 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. (CA)

I had previously filed a complaint against Citi Bank/Best Buy XXXX Complaint # XXXX. In Citi Bank 's Response to that complaint, they provided you with incorrect information. They are saying that I only disputed XXXX Fraudulent Charges totaling {$2100.00} that were made with XXXX of my Authorize User 's Card with the name of ( XXXX XXXX XXXX. That is not true, they are very much aware that I am disputing a Total of XXXX Fraudulent Charges that were made with XXXXXXXX XXXX Card, Totaling {$9500.00}. I also filed XXXX Police XXXX regarding this matter, but they obviously didn't take them in to consideration. Why they are denying the facts it's totally unfair and I believe that Citi Bank is now acting in Bad Faith towards me. The Charges that were made with my other Authorize User 's Card ( XXXX XXXX ) have absolutely nothing to do with this Fraud Matter! Citi Bank is picking and choosing what I can and can not get back from this, their decision is very contradicting and doesn't make sense! The XXXX Fraudulent Charges that I was credited for were for XXXX Airline Tickets that were made on XX/XX/2023. There are more Fraudulent Charges before and after that date. In order for their decision to make sense, I would of had to make some valid charges before XX/XX/2023, then lost my card or had it stolen and then found it again and continued making more valid charges. When I originally reported this matter to Citi Bank on XX/XX/2023, Citi Bank told me that call was being Recorded, but yet they have never taken the time to review that call. I have also asked CitiBank numerous times to provide me with a copy of all the information and or documents that they used to come to their decision. Although they've told me I have a right to that information, over half a year later I still haven't gotten nothing from them. I need this information because I do plan on taking them to Small Claims Court.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (OH)

In XX/XX/2023 I was alerted of an account with XXXX XXXX that had been unpaid and sent to collections. I never opened that account and determined it was identity theft. I filed a police report and FTC identity theft form and submitted it to XXXX XXXX and the collections agency. It was rightly deleted from my credit report and the debt was deemed not mine. 

In XX/XX/2023, XXXX resold that debt to another collections agency and it has reappeared on my credit report. I have received no communication from the new debt collector or XXXX regarding the debt. It is for a house I have never been to, and I never gave anyone else permission to open the account in my name. 

I have called XXXX to settle this multiple times in XXXX and XXXX but they are unhelpful and refuse to remove me from the account even though they know it was not me and was illegally opened.
Consumer complaint received 2017-08-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Credit reporting agencies XXXX, XXXX and Experian refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from Experian, XXXX and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (GA)

An inquiry was made on my consumer report on XX/XX/2022 from USBancorp. This was a result of identity theft. I have attached a utility bill, W2, and an FTC Identity Theft report.
Consumer complaint received 2022-05-13
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. (ID)

This collection company below is a fraudulent account that is reporting to my Eperian credit report. Im requesting this account be deleted from my credit report immediatley Date Opened : XX/XX/XXXX from XXXX  XXXX XXXX XXXX AMOUNT OF COLLECTION IS {$2000.00} BALANCE UPDATED ON XX/XX/XXXX.