davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (PA)

On XX/XX/2021, my XXXX 's credit account limit was lowered from XXXX to XXXX. They said this was done based on a review of my consumer file supplied to them from Equifax. I did not authorize XXXX 's to obtain an additional pull of my consumer file, whether it be soft or hard pull, I did not authorize it. Furthermore, Equifax has two delinquent accounts on my consumer file that should not be.
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

After having a problem with a Payday Lending company taking too much or charging too much interest I sat with the bank and explained the situation and asked if I could closed the existing account and open a new account to resolve this matter. I was I could, I opened the account. They told me that the old account closed only to later find the account was charged a service which I brought to a XXXX balance this past Friday and i was asked if I wanted to keep that XXXX. I said yes because it should be closed. I don't need two accounts. The next day I realized that they took $ XXXX+ instead of just {$4.00} for maintenance fees. This emptied my new account. I first call customer services to explain that it seems to be a account error. I was told to go back to the bank. I spoke to the person who I originally spoke to changed accounts. He directed me to the teller who served me that Friday who happened to not be working Saturday. I just left the bank today and now they want to direct me to the branch manager but told me they had a right to go in the new account without my authorization. How do they have that right to basically dip into any account when most of the time most banks make it necessary for you to transfer monies from a checking to a saving unless you signed prior authorization.
Consumer complaint received 2022-07-25
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-11-05
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. (PA)

Hello, On XX/XX/XXXX, I enrolled into a repayment program with the company XXXX. Beginning on XXXX, and continuing on XXXX, and XXXX, monthly credit card payments were deducted from MY bank account towards my balance with XXXX. 

I was told that after my last payment on XXXX that my account would be made " current '' on their end internally, and that I would receive a new statement, and updated balance to be paid in XX/XX/XXXX. I was also told that my account wouldn't be considered late, or reported to any CREDIT REPORTING AGENICES, as I was making the agreed upon payments. 

In XXXX I began receiving " account past due '' phone calls, letters and emails ; despite having made 2 payments at that point. I contacted XXXX, and was told that this was an error on their end, and that it would be corrected, and my account was not being reported as being delinquent, on either their end or with the credit agencies. 

Two days ago, on Saturday XX/XX/XXXX, I received notice in the mail stating that my account was more than 60 days past due, and after checking my CREDIT REPORT, I noticed that XXXX had reported me for nonpayment. I spoke with XXXX again, today, XX/XX/XXXX, and was told that my account will be update by mid-month, but that the customer service representative I spoke to couldn't correct the INCORRECT issue report to the 'Big 3 ' Credit Bureaus. This is what they told me last month, and their incorrect, and deceptive practices are effecting, i.e., lowering my credit score.
Consumer complaint received 2022-03-30
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX XXXX
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I keep receiving emails from Equifax that my dispute has been resolved, but I cant access my results because they STILL have all the incorrect information. 

This is a folIow up complaint to # XXXX-XXXX Because you can only dispute 5 items on the credit report, theyre only investigating the 5 even though I have indicated that every record theyre reporting is incorrect. 

Equifax has been aware of this issue with this same woman since XX/XX/XXXX and when she was convicted of it in XX/XX/XXXX I sent the court paperwork to them for my file and THEY CONTINUED to report inaccurate/fraudulent information on my credit history!!

Ive been waiting 9 years for Equifax to get fix my account and I find it COMPLETELY UNACCEPTABLE that they arent removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX. I think Ive waited long enough. I cant fix or dispute any other accounts if I cant access the results or my credit file online. They dont get 30-60 days because theyve already had 9 years! 

THIS. IS. INSANE.
Consumer complaint received 2022-07-11
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. (NY)

in accordance with fair credit reporting act XXXX  account XXXXXXXX XXXX violated my rights. 

in accordance with fair credit reporting act XXXX  account XXXX violated my rights. 

in accordance with fair credit reporting act XXXX  account XXXX voided my rights. 

in accordance with fair credit reporting act XXXX  account XXXX voided my rights 1.5. U.S.C 1681 section 602 A states I have the right privacy.

1.5. U.S.C 1681 section 604 section 2 it is also states a consumer reporting agency can not be furnish account without my written instructions
Consumer complaint received 2022-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (FL)

this company has violated my rights this company has not validated any of my specific request ( 1692ea ). They are still reporting inaccurate information on my character.

they have violated ( 1692cc ) by sending over information not specific not accurate information after asking for cease of communication.
Consumer complaint received 2019-05-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Navient has ignored my best interests and created obstacles to repayment by providing bad information. Came to an agreement on the interest rate, and then was called back a week later, and told that the manager backtracked on the rate, and said they could only offer a higher rate which I could not afford. Neither payment was reasonable, and Navient did not take my expenses for me or my child into consideration. They have failed to act when I have complained. I was told that I could no longer use forbearance, and they refuse to help me. It was not communicated to me until now that I only could use 12 total forbearance 's over the life of the loan. I was steered towards taking multiple forbearance 's instead of Income Driven Repayment Plans. When I was offered IDR plans they were not in line with my earnings. I feel cheated out of my right to lower payments, and feel that they are making me overpay for my loans knowing that I am struggling financially to make their high payments. They have harmed my credit in the past, and I feel as though my loans have accumulated an unreasonable amount of interest. This company has deceived me, and led me to believe that they would work with me when they don't.
Consumer complaint received 2018-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BBVA FINANCIAL CORPORATION (NM)

I tried working with both the fraud department at the XXXX XXXX XXXX, ie. Compass Bank ; I then wrote : Hi XXXX XXXX, this is XXXX from XXXX, and I spoke to a bank agent yesterday RE ; a {$38.00} over draft fee when back on XXXX XXXX or XXXX from XXXX restaurant after it was verified and still showing I had over {$80.00} in my account and made a purchase there of {$32.00}. they took an additional {$38.00} out saying NSF. I then received a fraud alert that there was a {$10.00} XXXX purchase that was declined & asked if I made this purchase and said no but I was glad they did not authorized the payment. I then auto deposit a {$26.00} and next thing I know there was 2 more transactions that were supposedly paid on my behalf after I showed it was flagged as fraud, told the agent to close this account. Now my account is {$180.00}. With those declined fraudulent charges paid after I told them to close the account and it showing the purchases originally did not go through Very confusing.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Equifax is reporting a duplication of an auto loan that I am the co-buyer on with my grandmother. The loan account was opened XX/XX/XXXX with XXXX XXXX XXXX with a current and remaining balance of {$12000.00}. This is the ONLY loan that we have with XXXX. I have disputed this error with Equifax on numerous occasions to include numerous online disputes as well as phone calls. I have been told by Equifax to contact the creditor ( XXXX ) and have them validate the correct account. XXXX  has and continues to validate the correct account and report information monthly. Equifax updates the correct account while disregarding this duplicate entry for almost 2 years despite my numerous disputes. Its an obvious duplicate as both entries show the same account number. We never closed an account and opened another with XXXX and XXXX has confirmed there has been no reason or changes that would to justify an additional entry. 
The duplicate account has not been updated since XX/XX/XXXX which is when it was added, still shows a balance of {$17000.00} and an account open date of XX/XX/XXXX. All incorrect, proven incorrect yet Equifax has and continues to report incorrect information that has not only lowered my credit score, increased my debt to income ratio and directly impacted my credit worthiness and ability to obtain credit.
Consumer complaint received 2018-05-13
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. (TX)

XXXX XXXX XXXX is in error. I submitted a check for payment in full. 
I have provided them with a copy of my contract and my check which was endorsed by XXXX XXXX XXXX. They have payment in full. 
Both the credit bureaus and this bank have their story wrong and I have not my opinion but documentation. I have hired a lawyer to help on this and want to notify the Consumer Financial Protection Bureau that I am being mistreated by the credit reporting agencies. 
I have furnished evidence to both of the aforementioned parties and they have responded with zero evidence.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Equifax is reporting a duplication of an auto loan that I am the co-buyer on with my grandmother. The loan account was opened XX/XX/XXXX with XXXX XXXX XXXX with a current and remaining balance of {$12000.00}. This is the ONLY loan that we have with XXXX. I have disputed this error with Equifax on numerous occasions to include numerous online disputes as well as phone calls. I have been told by Equifax to contact the creditor ( XXXX ) and have them validate the correct account. XXXX has and continues to validate the correct account and report information monthly. Equifax updates the correct account while disregarding this duplicate entry for almost 2 years despite my numerous disputes. Its an obvious duplicate as both entries show the same account number. We never closed an account and opened another with XXXX and XXXX has confirmed there has been no reason or changes that would to justify an additional entry. 
The duplicate account has not been updated since XX/XX/XXXX which is when it was added, still shows a balance of {$17000.00} and an account open date of XX/XX/XXXX. All incorrect, proven incorrect yet Equifax has and continues to report incorrect information that has not only lowered my credit score, increased my debt to income ratio and directly impacted my credit worthiness and ability to obtain credit.
Consumer complaint received 2018-11-03
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: Experian Information Solutions Inc. (FL)

I CALLED ALL THREE CREDIT AGENCIES, XXXX, XXXX, EXPERIAN AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

On XX/XX/XXXX I file a complaint against XXXX XXXX XXXX with the XXXX  in regards to having no knowledge of an alleged debt in the amount of {$59.00} that XXXX XXXX XXXX IS INCORRECTLY REPORTING AGAINST MY SSN. I HAVE NO CONTRACT WITH XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX STATED THAT THE ONLY INFORMATION THEY HAVE IS MY NAME AND AN AMOUNT OF {$59.00} WHICH IS INSUFFICIENT VALIDATION. On XX/XX/XXXX XXXX XXXX XXXX received my official request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which includes a request to cease collection and reporting until they prove the alleged debt to be valid. On XX/XX/XXXX XXXX XXXX XXXX REPORTED continues to report incorrect debt against my ssn and have refused to cease collections and reporting after receiving my request for VALIDATION WHICH IS IN VIOLATION OF THE FDCPA.
Consumer complaint received 2019-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection (FL)

I disputed an account I was unfamiliar with on my credit report. Today at XXXX I received a phone call. The agent failed to identify himself fully on the call, did not state what the call was about, did not provide the call recording or Mini Miranda statements, did not tell me the balance or original debt owner. I stated to him several time I didnt know what it was about. He didnt care and continue to collect. I attempted several time to understand what he was calling about exactly and he refused. He stated if it was fraud I would have to handle myself and hung up. 

This is a highly abusive tactic where I had no ability to resolve the situation. I find this call harassing.
Consumer complaint received 2019-05-24
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 — Problem with personal statement of dispute
Company: Checkr, Inc (IL)

I disputed contents of a file created by Checkr Inc. They did no first hand research although obliged to do so by law. Relying on a third party to do research makes their conclusion erroneous. The record still stands, no thorough first hand account of the information has been taken, nor is possible and they are responsible for the damages they are causing because of their disregard of the statutory obligations I am due.
Consumer complaint received 2018-11-03
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)

I CALLED ALL THREE CREDIT AGENCIES, XXXX, TRANSUNION, XXXX  AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (RI)

On XX/XX/19, I heard about a new credit card through a co-worker of mine. He referred to the card as the " Hilton Diamond '' card, a credit card that would instantly earn me Diamond status with XXXX XXXX XXXX. I was currently staying at a XXXX XXXX XXXX, so this sounded like a great idea. 
On XX/XX/19 at XXXX XXXX ( HST ), I called American Express about this card and spoke to XXXX ( XXXX? ) about opening this card. I already had the " Hilton Gold '' credit card, so I inquired about any bonus offers for upgrading to the " Hilton Diamond '' card. She informed me that I would receive 150,000 bonus points if I spent {$4000.00} in the first 3 months of having the card. I also asked a few other questions related to the logistics of upgrading the card ( credit check, activation, card fees, etc. ).

After I upgraded, I made sure to spend the {$4000.00} that would be required to get the bonus, but after several weeks, I had not seen an increase in my Hilton points balance. 
I then made a phone call to American Express asking when I would be receiving the bonus that I was promised, and the representative informed me that there was no offer loaded onto my account and that the issue would have to be escalated for resolution. 
After several days, I called back to check on the status of that escalation and was informed that they listened to the call made back on XX/XX/19, and that it was determined that no such offer was made. I asked the representative what other steps I could take since I was 100 % confident that my original statement was valid, but they told me that there was nothing they could do besides another case escalation. 
Once again, after several days, I called American Express and was informed that my case had been reviewed again and that no such offer was made. They also said that there was nothing else I could do. 
I am very confident that the original representative offered me 150,000 bonus points. I made sure to spend over {$4000.00} on my credit card in the 3 months following my phone call, but I have yet to receive the promised points. Please see the attached notes that I took during the phone call on XX/XX/19.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CO)

On all three credit reporting bureaus, XXXX, XXXX, and XXXX XXXX, numerous accounts reporting data from LexisNexis has and continues to cause great harm and injury to the Consumer 's Credit report and file. For Example, LexisNexis is reporting to XXXX, # XXXX that Bankruptcy # XXXX was dismissed, talking with the Clerk of Bankruptcy Court, she informed me from a document that the case was closed, not dismissed and that this Court does not report data to the Credit Bureaus. Also, for example, on a XXXX  report # XXXX, a Judgement # XXXX was opened on XX/XX/XXXX, stating date of last delinquency was XX/XX/XXXX, stating the account is has been delinquent since XX/XX/XXXX, which is false and these inaccuracies and many being reported by LexisNexis is causing great harm and injury to the Consumer XXXX XXXX and requires to be corrected immediately.