davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX NWIDE RECVRY XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection
shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this  matter very serious NWIDE RECVRY XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  Southern District of California Stop collection  proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2019-02-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (OK)

My total loan is for {$360000.00} with the company XXXX, Nelnet. The loan is from when I attended XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX, however I did not see that listed as an option. The lowest payment they gave us through IBR and extended payment is {$2300.00}. We can not afford this monthly payment. Consolidating the loans would still be about XXXX and would hurt my credit as we are trying to move. They go off my gross salary and do not take into account our bills or my other student loans, or taxes. They refused to see my salary after taxes and after our bills. They refused to help us with a payment lower than XXXX. The most we can afford is $ XXXX. They kept trying to get us to do foreberance which does not help the situation. I have a contract job and my salary will not increase, ever. The loan will also collect more interest with foreberance. They refuse to help us and now the loan will go into default due to not being able to make the payments. I dont think they should force people into foreberance where the company will make more money.
Consumer complaint received 2019-02-09
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. (NY)

On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
Consumer complaint received 2022-05-03
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. (FL)

There is a XXXX XXXX credit card for {$200.00} hours Open XX/XX/2019 This account does not belong to me. Requested for it to be deleted.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring
Consumer complaint received 2019-02-09
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. (NY)

At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring
Consumer complaint received 2019-04-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (MN)

I recently looked at my credit report and noticed a new entry a charge off by PHEAA/AES/XXXX which I assume refers to a student loan I co-signed. This account was turned over to a collection agency XXXX, XXXX XXXX XXXX 5 years ago. I have been making monthly payments to the collection agency for 5 years. I have not missed a payment. How can this account be recently added and listed as a charge off?
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I had a XXXX 's credit card ( from XXXX XXXX XXXX XXXX  ), which had a credit balance of {$21.00}, and the company/bank sent me a refund check for the same amount in XX/XX/2018. Unfortunately, I misplaced the check. 

In XX/XX/2018, I received a letter from the bank saying that the check has been cancelled as it has not been encashed, and I should call them to confirm my address so that they could send a replacement check. I did that, and they said that they will have to investigate ( not sure why? ), which would take 1 - 2 billing cycles. 

Two months passed, and instead of receiving a replacement check, I received a similar letter again, saying the exact same thing, in XX/XX/2018. I called them back, and they again asked for 1-2 billing cycles. 

Since then, I have chatted with them online two times, and each time they say that it will take 1 billing cycle to resolve the issue. The amount remains unpaid to me to this date. 

Note : Fed up with their bad customer service, I have closed the credit card with them.
Consumer complaint received 2019-02-09
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: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
Consumer complaint received 2019-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MD)

I purchased a new 2019 XXXX XXXX  in XX/XX/XXXX, put money down gave them all my info and in XX/XX/XXXX  received my first bill which I promptly paid. In XX/XX/XXXX I got a call that my XX/XX/XXXX payment was due I said I had not received a statement and was told they would promptly send me another, I didn't.

Saturday the XX/XX/XXXX received another call saying I am now 2 months in arears I explain I haven't. received a statement for XX/XX/XXXX or XX/XX/XXXX I say send me a statement then they say first I must pay the 2 months owed, I say send me a statement and I will, they say no send a payment today. We discuss that point for a while then I inquire why am I not getting the statements, they list the address they are sending and I is horrifically incorrect ( part of my name as part of the adress0, it had been correct for the first monthly bill and " somehow '' got changed. I don't know if there is any recourse but at least I want to go on record saying how rudely, incompetently, how atrociously

GM finance operates. If there any questions about my statements or description here please contact GM, I am
sure they have a recording of these conversations.

Thank you
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2019-02-09
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. (GA)

I submitted disputes to Equifax XX/XX/XXXX and various complaints afterward with the assistance of a credit repair company. I have never received a response to all my disputes or a report. This is a gross violation of my consumer rights. I am asking the CFPB to investigate Equifax in reference to my file ... 

INQUIRIES XX/XX/XXXX XX/XX/XXXX unauthorized XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XXXX not mine XXXX not mine XX/XX/XXXX XXXX XX/XX/XXXX XXXX not mine XX/XX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XX/XX/XXXX XXXX not mine
Consumer complaint received 2019-02-09
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. (NY)

At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring
Consumer complaint received 2018-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am being charge from XXXX for an amount of {$200.00} and a few cents on my credit card statement when I had started to dispute on this there were several things going on with my account pertaining to unknown charges on my account was restricted until they fixed all of my accounts. I just received a charge back about a month back when I didnt even receive anything from my credit card company which is capital One financial services for my MasterCard stating that they needed additional information from me and when I did provide it they said that it was already too late that its past the guidelines of massive car to continue the dispute process and Im being held liable for a charge that I never got any goods from I just received a charge back about a month back when I didnt even receive anything from my credit card company which is capital One financial services for my MasterCard stating that they needed additional information from me and when I did provide it they said that it was already too late that its past the guidelines of massive car to continue the dispute process and Im being held liable for a charge that I never got any goods from.
Consumer complaint received 2019-01-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: J J Marshall & Associates, Inc (MI)

JJ Marshall 's Associates have threatened to seize property or collect from IRS, if I don't pay a debt I do not owe. XXXX  removed the account from my credit report. But JJ Marshall 's is relentless. I lived in a home for two months, was not on the lease. The property manager is letting JJ Marshall 's Associates handle this and it is not my debt. They can not find the actual tenant that owes the money, so because I lived there for a short while, they feel that I am the culprit. This has been going on since 2013.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

On XX/XX/19 hi received an email from Equifax stating that my dispute was resolved and attempted to access the results online ( unsuccessfully ) and was redirected to call in. Upon calling Equifax the same day, I was told that they were unable to access my credit file because their system was " updating '' and to call back in a half hour to an hour. I then questioned the representative and informed them that the same thing happened to me when I attempted to file my dispute a month ago. I assumed that the issue would be resolved in a short time, however I was sadly mistaken. 11 phone calls later, I was repeatedly fed the same line from everyone I spoke to.This morning, over 24 hours later, I am still unable to access my credit file. I am in the process of applying for a loan and can not lift the temporary freeze on my account so they may access my file as well. Nobody has any answers as to why this is happening or really seems to care. I hope some oversight from your agency will hold the individuals from corporate responsible for their actions ( or lack thereof ) and deal with the parties who feel that this lack of accountability and service to consumers is acceptable. How can this company be trusted with highly sensitive and private information when they are not even capable of performing their SOLE function?
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 at XXXX, I used the CitiBank communication portal online to attempt to close my credit card account. The representative, XXXX said she would close my account. 

The account was not closed and thus unauthorized charges have been made between the dates of XX/XX/2022 and XX/XX/2022.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

We used a Home Depot card to buy materials needed to fix up a house. 1st of XX/XX/2019 sent them a check for XXXX. It posted XX/XX/XXXX. Check our balance and we over paid the bill by XXXX. Called XX/XX/XXXX about over payment. Was told to call back next week. On the credit card web site sent a message to the credit card company to return the overage asap. Called XX/XX/XXXX was told it would be sent on XX/XX/XXXX.

Called XX/XX/XXXX and again asked for the overage to be returned. The person on the phone said I file a dispute and they can not return the overage. I told them I did file a dispute and the only thing I have asked for is for the overage to be returned to me asap. 
I asked for a supervisor and the supervisor said it would be mailed in 4 days. On XX/XX/2019 I  checked the account balance and they still have not sent the money.
Consumer complaint received 2022-03-09
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: Verisk Analytics Inc (NC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-02-09
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. (TN)

On XX/XX/year>, EXPERIAN INFORMATION SOLUTIONS received a final notice of dispute in which I demanded for an account with XXXX XXXX to be removed because it has been disputed over a series of months. After the most recent dispute letter, the inaccurate account with XXXX XXXX was still verified and updated. It is still inaccurate. I was very clear on what was wrong with the account. Per FCRA 15 USC 1681i ( 5 ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This account is way past a point where it has been disputed many times and still updated to remain inaccurate. Consume reporting agencies 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. EXPERIAN INFORMATION SOLUTIONS continuously verified the inaccurate account that I have been disputing for months. I have reason to believe that this is a violation of the FCRA pertaining to accuracy and fairness of credit reporting.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

On XX/XX/2019, an agent called from my mortgage company, Quicken Loans ( aka Rocket Mortgage ). He claimed that he wanted to see if there was anything we needed. I said I believed my loan balance to home value ratio met or was near meeting the criteria for removing private mortgage insurance ( PMI ). He didn't answer my questions about PMI, but took our information and said he would check into it. 

A few days later I received an alert that he ran a hard credit check, and I also found he started a loan application. I did not authorize a hard credit check. I also did not initiate, authorize, or want a new mortgage. I only intend to be in the house for another year or two, so it doesn't make any sense. 

I have communicated with the company multiple times. Their agent has agreed that it is not a good course of action, yet they persist in pursuing the bogus application for credit, and refuse to reverse the credit check even though I never authorized it. 

It feels a lot like what XXXX XXXX was doing -- creating bogus applications on existing customer accounts.
Consumer complaint received 2019-02-10
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. (NJ)

My equifax credit report shows a hard inquiry by XXXX XXXX XXXX. The sales person stated a hard inquiry would not occur. Simply a soft inquiry as used in pre-qualifications.
Consumer complaint received 2023-07-02
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 : The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 15 U.S.C. 1681 602 ( A ) Right to privacy 15 U.S.C. 1681 604 ( A ) ( 2 ) No written instructions 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) inaccurate information ( pg 86 ) Acct # XXXX XXXX XXXX XXXX ( XXXX ) : receipt proof vehicle was never delinquent in court file. 

Acct # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : Inaccurate info after quarterly attempts to contact XXXX XXXX XXXX XXXX XXXX listed on XXXX Credit Report as follows : XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : Phone number not available Inaccurate info on XXXX XXXX XXXX unable to contact me Acct # XXXX XXXX XXXX XXXX failure to accurately report credit transaction over billed in addition, failure to send all payments made to my account. only one payment sent after requesting to be corrected. 

Acct # XXXX Dept of EducationXXXX XXXX XXXX 15 U.S.C. 1681 602 ( A ) states I have the right to privacy.

15 U.S.C. 1681 604 ( A ) Section ( 2 ) states a consumer report agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing ant of the following items of information any other adverse item of information, 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.