davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EDvantage LLC (VA)

I went to XXXX XXXX and I am trying to recover the funds I paid them for an XXXX loan they took out in my name. When I initially enrolled I was told that it was an in house loan and Id have to pay monthly. I specifically remember paying them on a regular basis. My degree with XXXX is not recognized by a lot of colleges when I tried to transfer my credits. They also promised to help find a job or they would pay my bills. I had to find job placement and even my externship places on my own with no help from XXXX. I have emails from when I tried to get my transcripts from them. In those emails you can see that they wanted me to pay my XXXX loan balance before handing over the transcripts. XXXX no longer exists and therefore my degree is not even recognized as being earned from an accredited school. With all the lawsuits surround XXXX foul play. I would like to see if I can recover some of the money I paid them. The thing about it is all my payment and loan info was mostly on my student portal email.
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I obtained a copy of my credit files from all 3 credit bureaus after finding out someone used my identity. I noticed several mistakes. I contacted Credit collection Services asking for validation of the 3 debts that they are reporting or remove it within 30 days. I sent them a certified letter that they received XX/XX/2019 which a XXXX signed for. i never received any validation of debt for the 3 accounts and they are still listed on my credit reports
Consumer complaint received 2022-03-15
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)

I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on this matter.
Consumer complaint received 2022-03-15
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've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on this matter.
Consumer complaint received 2022-03-15
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. (MI)

Experian and XXXX have willfully failed to comply with any requirement imposed under this subchapter 15 USC 1681. I sent letters to the XX/XX/2022, letting them know that they have posted inaccurate information on my consumer report. 
Under the FCRA they have violated 15 USC 1681i. 

Please see attached letters that were sent
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (TX)

I AM INSTANTLY PUSHED OVER TO CORPORATE WHO I CAN NOT XXXX DUE TO MY XXXX XXXX AND IT IRITATES ME VERY MUCH. TIRED OF NO TIME FOR THE XXXX  AND XXXX XXXX XXXX AND BEING SCOLDED ALL THE TIME. 


THE PHONE LINES IN CORPORATE ARE HORRIBLE AND I CAN NOT HEAR THE PERSON ON THEIR VOIP SYSTEM AND THEY DO NOT CARE. 


TIRED OF BEING A PUSH OVER TO SOMEONE NAMED XXXX I CAN NOT HEAR. IT IS SO RUDE AND NASTY. 


THERE IS ONE LADY WHO IS SO RUDE AND NASTY TO ME. THE MEN ARE NICE, BUT SHE IS HORRIBLE AND MAKES ME A PUSH OVER ALL THE TIME.
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

on XX/XX/22 I reached out to this company as my final attempt to pay a debt owed. I was given this loan on a basis where my income could not meet the payback terms. I feel this is creditor abuse and I should have been denied this loan. I reached them to settle for 10 % of what I owe, if not I would file bankrupcy and they would receive 0 . I kept getting passed around as the company did not know how to assist me. I have yet to hear back from them.
Consumer complaint received 2022-03-15
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)

" My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES and BANKRUPTCY from my credit report immediately. ''
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On or about XX/XX/2022, I contacted Capital one, Neiman Marcus to pay my bill as normal. As a long time customer, I understand any payments made after XXXX will be credited the next business. 

The agent took it upon herself to only schedule the payment, I specifically told her that I wanted to make a payment. Upon stating the agreed amount before processing the payment, the agent only stated that I agreed to make the payment for the aforementioned amount. She never mentioned that the payment was being scheduled. 

On XX/XX/2022, I found out by a text that I received stating that the payment was scheduled only, therefore, at that point my credit rating was reported as 30 days. 

I attempted in good faith to make the payment before any adverse action could be reported. This is an error on Neiman Marcus ( capital one ) agent, not my fault, but now my credit has suffered tremendously due to this reason. 

I have had this account for so long and I always call to make my payment sometimes after XXXX PM and never had this issue before the agent was careless and negligent in regards to my request of making that payment on that day for the next day. Not to mention Ive suffered from Covid and have tried in good faith to make arrangements with the creditor.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MD)

Pursuit to 18 USC 8 I owe no debt this company has violated my Consumer right and privacy pursuant to 15 USC 168This company also has NO permission to report. pursuant to 15USC1602 pursuant 15 usc I opt out
Consumer complaint received 2022-03-15
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. (MI)

XXXX and Transunion have willfully failed to comply with any requirement imposed under this subchapter 15 USC 1681. I sent letters to the XX/XX/2022, letting them know that they have posted inaccurate information on my consumer report. 
Under the FCRA they have violated 15 USC 1681i. 

Please see attached letters that were sent
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I learned from my credit monitoring service that my personal information was being used on a XXXX XXXX. I then reviewed my credit report and I realized that I have several on authorized inquiries. I have reached XXXX times out to transunion requesting removal and I was told that they will stay on my report for XXXX years regardless of the fact that these inquiries are fraudulent. 

XXXX  XXXX XX/XX/XXXX XXXX info XXXX  ( miscellaneous ) XX/XX/XXXX XXXX free rides sp ( retailer ) XX/XX/XXXX Factual data ( finance ) XX/XX/XXXX
Consumer complaint received 2022-10-10
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. (CA)

I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX XXXX  XXXX Credit Card. I also have XXXX inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX. My name is also spelled wrong on my credit report its spelled XXXX XXXX
Consumer complaint received 2019-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We went on a trip last year and used XXXX XXXX for transportation. We had 3 trips ( XXXX to XXXX then to XXXX and finally to XXXX. We called at the time this was occurring. The total for the trip -- according to the company -- was XXXX euros ( about {$1700.00} then ). BoA charge us {$2500.00} for those charges. We called numerous times then. Everytime, we were on hold for at least 1 hr. Then we were transferred, and many times the called was dropped and I had to call again. I asked for the name or extension that I could call back. They refused. The only name as was given was of a person from XXXX XXXX -- and that turned out false. He was in Tennessee and he did not work for that division. I have emails from XXXX  XXXX  indicating they only received the XXXX euros. Someone collected that {$1200.00} difference! They finally sent me a letter that they terminated the investigation. Everytime I called they stated that it would take 2 months to get to the bottom of it. After being a preferred client for 40 years with them and having about {$50000.00} in the bank ( savings and checking ), I had to switch to XXXX because I did not trust BoA any more. XXXX suggested that I contact you about this. I can not conceive how a {$1700.00} bill should require a {$2500.00} payment.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

XXXX XXXX  has repeatedly issued fictitious loans against my Florida property without any appraisals, any regulatory safety measures and has continually misrepresented facts and using government officials, government resources and government employees to aid the fictitious loan schemes. 

The notaries, attorneys and clerks are acting under unlicensed activities and do not have the authority to endorse any loans and fictitious loans without appraisals with repeatedly signing off in my absence.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by Experian. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report :
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I went through a terrible divorce, had to file bankruptcy as my ex created a lot of debt in m

y name. I have never paid a bill late since then. I do not borrow more than I can afford, etc. Here I am over two and a half years later and a company files on my credit they wrote off/charged off one of the items that was listed in my bankruptcy over two years ago which created a nose dive on my credit report. I called Trans Union and filed an online dispute. The person on the phone said they can see and I filed it under the wrong category. They did nothing and didn't fix it allowing a charge off to be reported monthly on my credit report for the last two months that was included in my discharged bankruptcy. I am so tired of these credit reporting agencies using automation and not caring about the affect they are having on individuals lives.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MD)

While shopping in store at the store in XXXX XXXX, MD as I finished shopping and went to the register for checkout, my cashier asked me if I would like to apply for a XXXX credit card. She did not specify if it would be a store card, or a master card. So I asked her to only be considered for a master card and she nodded her head ok, and proceeded to use my information to apply for a credit card. She said I was approved for a total amount of {$650.00}. She did not disclose to me the terms or any TILA, disclosers. She gave me a discount and said she does get more $ $ when customers apply and thanked me. Upon receiving a statement as well as the XXXX XXXX, I noticed It was not what I as the consumer requested. They approved me for the XXXX XXXX XXXX, which I did not request at the time of applying on XX/XX/2022. They have also violated me using deceptive debt collection practices by calling me and using a postage with their logo on it which is a violation under title XXXX, they were marketing a master card which is not what I received. After speaking to a Senior customer service agent today by the name of XXXX at the Ohio office, he explained that XXXX cashiers are not aware of the interest fees, application process, or approval process and that she should have told me to contact the bank. If they are not aware of laws, or fees or anything pertaining to what they are advertising then they should not be advertising it! On top of that they had the incorrect mailing address on my account which affected me to not receive my statements or credit card. According to 12 CFR 100.2, I Can not be denied credit on application. I CLEARLY was denied credit ( mastercard ) which is in violation of the FCRA. They have violated me many times within the last few months and as a consumer this is traumatizing.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

For the past year I have gotten calls from a so called debt collector. They say they are representing XXXX. Of which I'm a current member in service. After contacting XXXX they verified I only have 1 account and it's current. 
I've tried stopping these calls but they continue. 
XXXX says I don't owe them And offered to change my number for free But they contact me on all my numbers. 
This is harassment.
Consumer complaint received 2022-10-10
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. (AZ)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Bank Account number : XXXX has violated my rights. 

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

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

15 USC 1681c ( a ) ( XXXX ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Reporting all companies that were never authorized to use/ my pull information. 
View the list below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-06-26
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: CITIBANK, N.A. (NJ)

XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX a debt collection notice was received from Midland Credit Management , Inc . Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. 

The company Midland Credit Management Inc. persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. 

Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. 

This account should have never been sent to collections for it was never delinquet.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA (NY)

Final attempt to pay off debt via phone call was on XX/XX/22. I requested a pay off amount to pay for my debt. I was given this loan on terms that my income/financial status could not meet. However, I was given the loan and unfairly able to make the payments, I fell behind. i reached out to them to settle the balance owed to pay them off something. They expect me to pay a balance I can not afford.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Asset Agency, Inc. (CA)

I just realized there is a collection on my credit report, I never received any notification nor do I know what this is in regards to, please remove and update. 
Please do not report false information about this debt. I am disputing in writing and you must comply by not reporting to credit reporting company that it has reported as I am disputing this. This is in violation of the Fair Credit Reporting Act.