davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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. (PA)

I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent.
Consumer complaint received 2022-03-04
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 am the victim of Identity Theft. I sent my FTC identity Theft Report to Equifax on XX/XX/2022. They did not remove XXXX XXXX XXXX. They said it was verified as accurate. I sent a second letter to them on XX/XX/2022 stating : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately XXXX XXXX XXXX. I gave account number and amount. The reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

They again did not remove this account. They said it was verified as accurate and updated.
Consumer complaint received 2018-12-14
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: Navient Solutions, LLC. (GA)

I opened a Federal Student Loan to attend XXXX  after I completed my XXXX I became XXXX XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my XXXX Loans completed discharged because of my XXXX medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.
Consumer complaint received 2018-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

To wit loan service provider ( s ) ( XXXX, XXXX, XXXX XXXX ) consolidated Direct Student Loans and informed borrower/consumer of loans being transferred when in fact loan service provider ( s ) actually consolidated loans without permission of borrower/consumer. 
Grievous actions of loan service providers have forfeited qualifying payments towards the Public Service Loan Forgiveness and the Temporary Expanded Public Service Loan Forgiveness program due to loan consolidation request allegedly made by this borrower/consumer less than 10 years ago.

I have attempted to resolve matter in reviewing Master Promissory Notes provided by loan service provider. None of the Master Promissory Notes provided has language of loan consolidation request. 
I provided documentation to loan service provider supporting payment on XX/XX/XXXX to support student loans have been in repayment longer than XX/XX/XXXX.
Consumer complaint received 2022-06-19
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)

XXXX XXXX Account # XXXX No investigation by the credit bureaus was done as I filed a complaint against them for this issue and they keep ignoring or pulling stall tactics and parroting what the data furnisher is responding back with the automatic response system E-Oscar the bureaus failed me multiple times and here is the proof once again they are NOT investigating anything, I never received any information on how they did the independent investigation in their own words on this compliant filed on XX/XX/2022 XXXX they said and you can go read it that this was verified as accurate the date last active is wrong on both bureaus and this is a violation of re-aging and neither one is correct who is correct? Experian or XXXX and a violation for changing the balance by law this is not allowed and now must be removed immediately attached 2 prior consumer reports proving the violations and inaccuracy and a snippet of them saying this was verified as accurate, please tell me how this is even close to being accurate and was verified.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I deposited 2 checks today from businesses I regularly do business with and checks are never given a hold on them and they never bounce. For some unknown reason BOA decides to hold them for 11 yes ELEVEN days. One check is local and one is from Illinois. Both checks are from finance companies. There is absolutely no reason to put a hold on these checks. One check was fore XXXX and the other was for XXXX. I called BOA and sat on hold for so long I had to gang up. I then emailed the following people at XXXX am CT : XXXX XXXX XXXX, XXXX, XXXX no one has responded. My email '' Good Day, I deposited checks from my clients today and for some reason BOA is putting a hold on them. These are the same clients I have deposited checks from for the past 2 years. I have checks coming through that I wrote to the IRS for tax payment. They will bounce if this hold is on. 

Please review and lift the hold. I tried calling but sat on hold and figure they won't do as I ask anyway, have no time for that. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-29
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. (FL)

Expetrian dropped my XXXX  credit report, dropping my fios XXXX points, and reporting incorrect % of credit usage and available credit.
Consumer complaint received 2018-05-16
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: EQUIFAX, INC. (VA)

I have been disputing an error ( XXXX XXXX ) on my credit report since XXXX. The other agencies have resolved it but Equifax refuses to nor will they provide me any documentation showing the debt is mine. I am trying to obtain a mortgage and now XXXX has changed the date to show the account was opened on XX/XX/XXXX. I have repeatedly filed disputes with Equifax since XXXX and I do not believe anyone is even investigating. Something since XXXX should be resolved by now. I can not believe they changed the date like that with NO proof or documentation? I am upset as this is affecting my interest rate over a debt that I do not owe. I do not want to to go through this for another 10 years.
Consumer complaint received 2024-04-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AZ)

I am XXXX  and have been XXXX  for the XXXX  XXXX XXXX. Although, I am taking XXXX XXXX courses, instead of the traditional XXXX XXXX courses. Any time I take XXXX XXXX  courses it creates a loop that effects me and my cosigners credit score drastically. The Clearing House letter is not received until XXXX XXXX XXXX XXXX XXXX XXXX. For the first XXXX XXXX  of the XXXX, it does not show I am enrolled which causes my loans to be taken out of default for " not '' being a XXXX XXXX XXXX. Even though I am, my classes just begin later in the XXXX. It is the same amount of credits and full course just condensed to a shorter period of time. This falling out of deferment period greatly effects my credit score as well as the cosigner on my XXXX  loans. There doesn't seem to be a root fix for this issue currently since it's " just how the system works, '' I was told. For now, I can file for correction here, once I have my Clearing House letter, I was also told. So I spent time writing this out more thoroughly since I may have to do this very thing again in the future when I take XXXX XXXX  courses. Please see the letter from the Clearing House I had to special request to get before my XXXX  started. A letter that they may not be able to get to me any earlier in the furture. I have attached this document to remedy my credit score and put it back in good standing. I have XXXX loans that should show as in deferment with no missed or late payments via the start of this XXXX XXXX. There are XXXX under XXXX XXXX XXXX and XXXX for XXXX XXXX  XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX Please make sure this information is updated and reflected on the cosigners credit report as well, that is also associated on these accounts. Thank you and have a great day!
Consumer complaint received 2018-05-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (NJ)

A couple months back I took out a {$1100.00} loan from XXXX. Since then, over {$3000.00} in payments have been made to the company. I know have a balance of {$1800.00} due to 2 returned payments and their interest rate of over 700 %. I called to see if a settlement on the loan can be made, although I paid beyond the principal balance and they are an illegal entity. They denied any option of a settlement. 

- XXXX XXXX
Consumer complaint received 2022-03-04
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. (MO)

Page9 of 9 from my TransUnion credit report file no : XXXX, issued XX/XX/2022. A paragraph titled Clubs & Subscriptions Activity. Is created ( this is second time in two years ) has subscribed me magazines in an attempt to get time on their side and force me into this Debt which I discussed with a receptionist at XXXX. Info is in the slanderous paragraph followed by more lies. TransUnion sends me emails at my request but when I was looking for a vehicle to purchase An email said We can provide a lender for you with top ranking lenders I applied and got calls and text for the fast cash lenders. Small amounts but TransUnion s help included all apps I didn't fill out. All of them hit my credit with hard and soft inquiries Some five or more times a day each. Now my score has fell lower than last year at this time. In XXXX or XXXX Before applying for auto loans and shopping I had gotten my score to XXXX. Now I can't get loan for bicycle/motorized. I've sent a picture of my report items discribed poorly here. You have to see it. Look for my email with picture of pg1 of 9 TransUnion and pg9 of 9
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

THD / CBNA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XX/XX/2022 I spoke with customer service about my account and to notify them that my Federal tax return would be deposited, the account was closed anyway. On XX/XX/2022 CitiBank force my Federal Tax Return into that closed account and refused me access to my account. I have called everyday trying to get them to give me access to my funds. I have also spoke with supervisors and I have left my number for call backs. All I keep getting is if I wanted immediate access I can go to a branch ( I live in Texas, there is no branch ) or wait 30 to 60 days for a check to be mailed once my account is closed. If my account was closed on the XXXX of XXXX why was my taxes forced into that closed account? My utilities have been disconnected, my phone is disconnected and my rent is due. Wait for a check will have my family and I XXXX
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (NY)

In XX/XX/XXXX my XXXXXXXX XXXX XXXX were not working do to repair work XXXX had to complete and they informed me it would be completed until sometime towards the middle of XX/XX/XXXX. I asked for credit as I had no service and they informed me credit would be applied once repair was completed so they would know total credit. Since I could not wait a month for service I switched to XXXX XXXX. In XX/XX/XXXX I received a bill from XXXX and I called them and they said there was nothing do credit was applied to my account. I have not received anything from them until this month when I received a collection notice from XXXX, XXXX XXXX XXXX for XXXX. They basically told me it was my word against XXXX.
Consumer complaint received 2022-06-19
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 with the fair Credit Reporting Act 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 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

Spoke to XXXX XXXX XXXX XXXX XXXX Wells Fargo she said they had not mailed the revised copy for the extended date of the trial modification. She stated she hadn't gotten and approval it will be mailed from her Manager. She asked could she give me the terms over the phone ; this is their normal procedure. I stated I need the term of the modification in writing from Wells Fargo because I did not trust their servicing practices and I would lose my home. She stated it would be mailed to me. 
I have not received those documents and I don't want to lose my home. Wells Fargo said they mailed the mortgage assistance trial to me by regular mail but I have not received those documents from them
Consumer complaint received 2022-03-04
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

So I realize I have a collection on my credit report from XXXX XXXX XXXX for {$790.00} for XXXX XXXX. That account on my credit report was not me and is the result of identity theft. I want such information to be removed from my account immediately and permanently
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX  and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I have numerous inquiries reporting to my credit file that i do not recognize and need removed immediately. 


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 ATTACHED IS FTC REPORT
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-12-14
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. (TX)

Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.