davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

I made payment under contract terms and the terms of the contract have not been carried out by Chase Bank. Payment was sent via Postal Money Order via certified mail on XX/XX/2019 and was cashed by Chase Bank on XX/XX/2019. Credit reports do not reflect upon the agreed terms of the contract. I have a copy of the contract terms and proof of payment in regards to contract. All evidence can be provided upon request. Terms of contract are once payment was cashed by Chase, negative tradeline was to be removed within 30 days of acceptance of payment.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

On XX/XX/19 I tried to freeze my credit report at Equifax, XXXX, and XXXX. The last two completed without any problems. Equifax did not complete. I had to set up an ID and password on MyEquifax, but I still couldn't do the freeze. I have tied many times to login, and every time I get a message saying " We can't complete your request at this time. Please call Customer Care Team, XXXX ''. It's difficult for me to communicate by phone because of XXXX  XXXX  and XXXX, so I attempted to use the Equifax chat line. When I explained the problem to the chat person, I was told to call MyEquifax support number. When I explained why that wasn't an option, the agent said the chat line could not help with MyEquifax problems. I think this problem could be solved quickly via email, but Equifax doesn't seem to offer that option. Today I requested an Equifax credit report and got it. I found some items that were not correct or shouldn't be on the report. I tried their online dispute procedure and ran into the same dead end. It forced me to login and then gave me the same error message noted above. I tried the chat line and got the same response which was no help.
Consumer complaint received 2022-04-01
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

I am disputing the following student loan accounts according to the section 623 under the FCRA for reporting incorrectly. 

Account : XXXX ( Group A/B/C/D/E/F ) XXXX XXXX XXXX XXXX XXXX XXXX I do not agree with the student loan debt reporting on my credit report. I have exercised my rights and requested debt validation from Nelnet. Please provide me with the original instrument of indebtness in its original form. I am asking for the original contract with my INK signature. I sent letters via certified mail to the credit bureaus in XXXX & XXXX. Despite my requests, Nelnet has not responded to me and ignored my requests. 

This is a formal complaint for Nelnet to provide me with the following : 1 ) Exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists. 
3 ) Copies of the Application and 2 sided Promissory Note documents. 
2 ) Copies of original documents that meet the Uniform Commercial Code ( UCC ) requirements for legally binding promissory note debt instruments. 
4 ) Exact copies of all of the original Notice of Loan Guarantee and Disclosure Statements that apply to the loans that I allegedly received.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Am attempting to close at least 360 checking account # XXXX and debit card # XXXX, do not have card as I believe it was stolen along with my credit card # XXXX yesterday, Tuesday, XX/XX/2018, which is being investigated. Looking at my cleared checks there was one # XXXX, a contribution to the Senator XXXX XXXX campaign, which appeared across my screen on my XXXX and then was gone. I attempted to investigate with Capital One, to NO avail. Went further and reached to the recipient of this check, had a conversation with someone in his DC office. Was told their mail was being held, ( probably XXXX or some other type of threat ) therefore a good possibility why my check has not cleared Capital One, even though it did for a flash. Now, I can not close my account as I wanted and will not be able to call this bank HISTORY as the other financial institutions I enumerated with your XXXX # XXXX in our phone conversation, which I initiated, today, Wednesday, XX/XX/2018 and provided information for 23 mins. What the S- is going on!! As I mentioned to your XXXX, I have complaints, letters, etc., with regard to this bank. Told him to let me know if they are required for this investigation.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

We received a letter from USAA Subrogation Department reading that we had an accident with my daughter 's vehicle. My daughter or none of us had any accidents on XX/XX/XXXX. We have tried several times to talk with USAA but have gotten nowhere with them. We called our insurance company XXXX and explained what is going on also. XXXX  have sent 2 letters stating that they have the wrong vin number. We have tried to call USAA but they do not have a phone number to talk to them. We have also sent letters letting them know they have the wrong vin number and they still are moving forward with the claim. We have received a letter stating that we owe {$7500.00} for damages that we never did. They are stating that if we don't pay this it will go on my Credit Report as a default and it will hurt my credit. Please help us with this problem as we have not had an accident nor are we going to pay this bill. They are using bully tactics and we are very nervous about this letter.
Consumer complaint received 2022-06-18
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. (NJ)

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the 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 : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (NJ)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Sandtander of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX   credit reportsXX/XX/2018 related to that fraudulent application. An official dispute of this inquiry was submitted certified mail with return receipt to Sandtander XX/XX/2018 and againXX/XX/2018 however in each instance Sandtander failed to reply to the status of the investigation and/or removal of the fraudulent related information from my clients credit report ( s ). This is a violation of the FRCA and my clients federal consumer rights.
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

On XX/XX/2019 I started receiving dozens of phone calls from XXXX at all hours of the day. 

No one would ever be on the other end and when I called back they would just hang up on me. 

After doing some research I found the number belonged to a collection agency named MRS . 

Through their website I was able to find their fax number and on XX/XX/2019 I faxed them a letter demanding they stop calling me and if they are collecting a debt to validate the debt via mail. 

So far they have refused to validate the debt.
Consumer complaint received 2018-11-07
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: CMRE Financial Services, Inc. (GA)

As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by CMRE XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.
Consumer complaint received 2018-05-16
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. (MO)

On XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX ran my name twice within a week, ... way before my first 30 days, However, XXXX XXXX XXXX then took it upon themselves in opposition of my 4 warnings not to run my credit outside of their company, and she promised me that she wouldn't but she did. They fraudulently ran my name cause I did not authorize neither one of them many inquiries on my report ..via XX/XX/XXXX. Under the FCRA, that's illegal practices for them to do so.
Consumer complaint received 2022-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NC)

On three separate occasions, I mailed a certified letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022, asking that the alleged debt collector send me validation of the debt that are alleging that I owe to them. On all three attempts, I never received any mail correspondence honoring my request. The alleged debtor continued to almost on a daily basis call and harass me by leaving unsolicited voice messages even after I blocked the number from calling my phone. I asked the debtor to produce evidence and the debtor failed to do so. The two inquires has impacted my credit report profile, as I requested to have the accounts removed from my credit report profile.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC (FL)

This company keeps calling me 2 3 times a day I've been trying too tell them I'm not working I'm on SSI they keep asking me to ask someone to help me pay it off this is from 2012 I would like for this to be removed off my account
Consumer complaint received 2022-07-10
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: Affirm Holdings, Inc (NJ)

Went to lease a XXXX. 
Was informed that i was delinquent in a loan from AFFIRM. 
I had allegedly taken a loan from XXXX... 
allegedly I dont know of this AFFIRM company. In my life i have never taken a loan from anywhere Contacted XXXX  and AFFIRM TO NO AVAIL My credit rating was always above 800..now lower than 700. Help please
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My joint checking and savings account at Citibank have been ope for over 25 years. In XX/XX/2018 Citibank contacted my wife to complete a Know Your Customer requirement. She spent 2 hours on the phone answering among other things the value of my home and such degrading questions as how much money does your husband allocate to you for spending On XX/XX/2018 I tried accessing my account on like only to get a message the account was frozen. Each day since Ive spoken to Citibank and am told the account is frozen because Citibank has not had time to review the KYC questions provided by my wife. As a result of freezing the account I do not have access to nearly {$7000.00} for over a week. All my auto payments including mortgage utilities and credit cards are delinquent. My credit is now also frozen Citibank assured me back in XXXX that the matter would be resolved in 4-5 business days but there is nothing else it can do My 800+ credit score undoubtedly will be impacted because of Citibanks incompetence Does Citibank have liquidity issues? How can it feeeze my funds because its staff doesnt have the time to review a 2 hour questionnaire that had many irrelevant and degrading questions
Consumer complaint received 2022-06-18
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX now.with no help.
Consumer complaint received 2018-11-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I have contacted them on several occassions about constantly running my info when inhave not applied with them since XXXX of last year. I haved asked them to remove my information and was denied due to federal law. I just want my info removed from their system
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Where do I start during the pandemic I was issued a prepared debit card for unemploymet.I in XXXX opened XXXX claims.both claims were around the same time which. One claim was honored and one was not The excuses they told me why was because to much time had passed by .and I'm responsible for the unauthorized transactions.I have a big problem with this .being that one was already honored .so they re opened the claim they requested me to fax them a copy of my driver licence, a police report, and a letter of me explaining what had happened so I did all that for them .in order to help with their investigation.it is now almost going into XXXXand I can't tell you how many times I have reopened this claim.their excuses for not honoring my claim have no merit.because the other one was honored.and let me tell you that I was unaware and unable to ever see my online account because bank of america was constantly having my account frozen.passwords were not working it was so traumatizing for me at that time I I had become XXXX  it was winter I had no heat in my rv.because I was unable to have any access to my account.to get money for gas to run my generator.my parrots almost died for days I cryed please god let them turn my money back on to survive during this dezaster .they even laughed at me on the phone explaining my sufferiing.I just get the runaround.good greef. This is so not fair sincerely XXXX
Consumer complaint received 2019-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

The collection company NATIONAL CREDIT SYSTEMS , INC has been charging me for a while now the amount of {$2200.00} and I have just been sent an offer to pay half {$1100.00}, for a concept of a debt of XXXX XXXX XXXX, ( in XXXX ),, The problem is that I have never lived in these apartments or have any debt to them ( I have been living in my house since 2008 ) I contacted NATIONAL CREDIT SYSTEMS and they told me to send them my credit report and copy of my ID,, but I did not do it because I do not want to give you more data to reinforce this erroneous collection,,, when I spoke with them they mentioned a date of birth that does not correspond with mine, " so I suspect that they do not have my correct SS, BUT THEY ARE AFFECTING ME IN MY CREDIT XXXX  SCORE ( in the other 2 credit bureaus this debt does not appear ),,, They only have my name and with it they took my address to try to collect a debt that is not mine.
Consumer complaint received 2022-06-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.