davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2020-09-14
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. (TX)

THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I sent a certified letter to XXXX XXXX XXXX on each attempt dated XX/XX/18, and XX/XX/18 to XXXX XXXX XXXX for Validation of the alleged debt that they claim I owe to their company and that is appearing on my credit report. I specifically asked for a signed agreement and other supporting documentation as proof of claim of the accountancy. The request was not adhered to. XXXX XXXX XXXX have been reporting alleged charged off debt to the credit bureaus as verified and I am asking that the alleged account be deleted 30 days has passed each attempt to retrieve the information. The account was never verified nor validated.
Consumer complaint received 2021-04-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (FL)

XXXX continues to hurt my credit by saying my private student loan is in active collections. This account, originally owned by National Collegiate Trust and XXXX XXXX, was included on my 2015 Chapter XXXX bankruptcy case. The original lender was contacted regarding my Chapter XXXX petition, and they never responded or took me to court for payment. The judge and court discharged and closed my case. No other lender has done this. All the other accounts that were included in my petition have been closed and say " discharged in bankruptcy '' since 2015. XXXX reports this account as new, and active, which is FALSE.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied to refinance the vehicle loan from wife to husband 's name on in XX/XX/2017. After speaking to XXXX from the application department/customer service, the loan was declined and cancelled over the phone due to XXXX does not provide 3rd party transfer vehicle loan. I need to transfer the title of the vehicle with the refinance as soon as possible due to divorce and finally complete the process by applying the loan with XXXX XXXX. 
Although the loan was declined and cancelled by XXXX, XXXX Account department sent out the payoff check to XXXX XXXX  on XX/XX/2017 which has wrongly payoff XXXX XXXX  loan and activated a loan account at XXXX XXXX  for a loan that I was told to be denied. 
Again, the loan is supposed to be cancelled as stated by the XXXX representative and I have successfully obtained a loan from XXXX XXXX. When XXXX XXXX sent payoff check to XXXX XXXX  to pay off the original XXXX XXXX Auto loan for the XXXX  XXXX. XXXX XXXX  returned the check from XXXX due to XXXX payment and sent title to XXXX. It created a huge issue with my vehicle title which did not allow me to renew my registration although it was past due and all the interest and late fee from XXXX. After all the phone calls and mails negotiation over 1 year with the help of our attorney, XXXX successfully submitted payment to Nationwide but the payoff amount from XXXX was different from the original loan amount or the payoff amount sent from XXXX at Customer Service Department for {$42000.00}. 
The credit history reported by XXXX on my credit report is incorrect! It shows that I have an account with XXXX bank that is closed by pay status as Collection/Chargeoff. There should not be any collection/chargeoff since the loan was originally cancelled by XXXX at XXXX and there should have no payoff to be sent from XXXX. I have never made payment to XXXX as the fact that I do not have a loan with XXXX. Now that my credit is all ruined because of XXXX mistake and this has to be removed from my credit report ASAP! 
XXXX is the worst bank with the worst customer service that I have ever experienced! I took my over 1 year and the issue is still not resolved. Every time I call to get this auto loan issue to be followed up, there is no response and no ownership for the mistake this bank made. All I received from XXXX is collection call and collection mail. 
I demand the XXXX bank reporting error on my credit report to be removed and the issue of this wrongful payoff has to be resolved immediately.
Consumer complaint received 2022-08-28
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)

Equifax/Equifax credit bureau has constantly been dishonest, contradicting, deceptive, unfair, and willfully noncompliance. I became aware of my rights as a consumer, natural person, living woman that I have to give Equifax/Equifax credit bureau permission to furnish anything on my consumer report. First they claim they could not locate my report but now they are claiming I provided proof of identity, which I did not because Im not disputing anything. Equifax/Equifax credit bureau is sending auto generated responses ( I have proof of the current and previous responses I and others received from the Equifax/Equifax credit bureau ) and Equifax/equifax credit bureau is not taking my vital situation up seriously. I also did not send them a request about inaccurate items. Im enforcing my rights as a consumer/natural person/living woman for Equifax/Equifax Credit bureau to remove the items as I requested. According to the SSA a social security card is not use for identification, which Equifax/Equifax credit bureau is requesting. Equifax/Equifax Credit bureau removed one account but not the remaining accounts I requested to be removed. They are violating my unalienable right to privacy.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

On Wednesday, XX/XX/XXXX I got my direct deposit $ XXXX I went to sleep my account had $ XXXX XXXX my phone kept notifying of XXXX woke up to over XXXX transactions XXXX after the other from a XXXX company. I have nothing to do with XXXX. the bank itself called Cash App notified me that they had seen suspicious activity on my account and if it was me I answered and replied back no that it wasnt me.They had taken {$230.00}. I can never speak to nobody, and when I do speak to them, they all give me a generic message. I worked so hard for my money like every other XXXX and I live paycheck to paycheck. Now my bills will be behind because of this accident that I had nothing to do with and all they tell me is that I have to wait 45 days. And nobody wants to talk to me, I dont know what else to do. I shouldve never put my money into that company please can somebody help me I can explain myself better on the phone thank you, XXXX.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (OH)

I requested to add paper dollars on my cash app account at an authorized retailer per cash app which is feature on the app, However per the chat representatives not everyone has the feature. I wanted to know what makes someone eligible for the features and others not. I could not get a definitive answer in reference. I requested leader support in the matter did not receive. I was told that no one of leadership was available after I was told one moment someone was from leader ship would be assisting. I requested information to file a formal complaint in writing could not get a definitive answer for that.
Consumer complaint received 2023-04-01
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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: ENCORE CAPITAL GROUP INC. (FL)

To Whom It May Concern : Regarding XXXX, XXXX, and XXXX, I'm writing to you. Evidently, I've written you about this in a number of letters. They have disregarded my demands for some reason. 

My consumer rights are being violated by these credit bureaus. 
They broke both the FCRA and the CFR. Please see 15 U.S.C. 1666. ( B ). Another statute that is relevant to this letter is 15 USC 1681 ( B ), which stipulates that I, as a consumer, must grant you PERMISSION to provide information on my behalf. 

I have not yet given such authorisation to you or ( XXXX, XXXX, and XXXX MIDLAND CREDIT MANAGEMENT ). Additionally, in accordance with Section 604 of the Fair Credit Reporting Act, Consumer Reports may be used for any lawful purpose. in general Anything subject to subsection ( e ) 10.26 billing error resolution. 


I've provided a copy of the tracking number below to demonstrate that I sent them individual letters for each credit bureau. 



Kind regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2019-01-23
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. (GA)

I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.
Consumer complaint received 2019-01-23
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: Experian Information Solutions Inc. (IL)

It was a very hard time to get access to a dispute specialist over the phone. I had tried many calls to them over the course of 3 days to reach someone. FInally after selecting the credit report prompt I was able to follow to prompt to a specialist.

Once on the line with the specialist I was constantly asked the same question that I was disputing information regarding.

The specialist did not appear to want to help me the consumer but more so protect the company. The inaccurate reporting I informed the specialists I had documentation regarding she continued to ask the same question after I stated it was not correct. Finally I was given a separate link to use which also did not accept the upload of the supporting docs. 

There is an account for XXXX  XXXX XXXX that I do not have a contract of service for. This account has been placed by 2 other agencies and is now with a third and has been removed twice before. This account should have been removed and checked before placing. I should not have to work hard after the placing of the account as a specialist should have seen this account was deleted twice before and now it is being placed again now that it has been sold. 

There is a Bankruptcy reporting which has to be verified via the source and the US Bankruptcy court has noticing on the website which states they do not report to any CRA. Since all reporting has to come from the source this account is also not reported accurately as XXXX XXXX is not the source and PACER is not a source so therefor the Bankruptcy should be removed due to the account can not be verified via the Federal Court reporting the record.
Consumer complaint received 2019-01-23
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. (GA)

I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I attended XXXX College in 2008. XXXX College applied for loans on my behalf and at that time I did not understand the terms and conditions. XXXX College promised me a job in the field of XXXX XXXX, which I have never received. Upon completing the program I have been receiving bills in the mail from the loan company Navient for the past 10 years. XXXX College is known as a predatory lending scheme that I was a victim of and because of this deception XXXX College has taken a traumatic toll on my life. For the past 10 years, it is still affecting my credit and furthering my education.
Consumer complaint received 2019-01-23
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: JPMORGAN CHASE & CO. (NJ)

I used my Chase Sapphire Preferred Visa to purchase a costume from a merchant on XXXX. The costume was supposed to be a custom costume in the shape of a cup of coffee. The merchant was told 1 ) The lid of the cup needed to be XXXX XXXX 2 ) We wanted the electric fan installed as advertised and 3 ) Specific logo. During the process, the merchant had 1 ) Made the lid XXXX instead of XXXX  without authorization 2 ) Did not include an electric fan as advertised and 3 ) Put the logo on the costume crooked. When we asked them to fix it or give us a refund, the merchant refused to give us a refund or remake the costume. Their only option was to ship the costume as is. They forced me to " confirm '' prior to shipping. I only " confirmed '' that they would either send me the incorrectly made costume or keep the costume and the money. When I disputed this with the credit card issuer, they said that because I said " I confirm '' that no recourse is available to me. All in all, I lost {$400.00} on an improperly made costume that was supposed to have purchase protection by the card issuer
Consumer complaint received 2018-05-19
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX  Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXXBalance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX  Account # : XXXX Date Open:XX/XX/XXXXBalance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}
Consumer complaint received 2022-08-16
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. (TN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 -XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

I hold a student loan that was originally serviced through Sallie May, this loan however was transferred to Navient 2014. When this loan was taken over by Navient I was denied public student loan forgiveness which I was insured through the Sallie May loan. Formerly I was on an income driven repayment plan, however was not notified of my yearly obligation to re-certify my income. Without notice I was removed from the income driven repayment plan, I was further denied an income driven repayment plan and my student loan payments are unmanageable as the payment has increased to more than is affordable.