davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I am an XXXX  who is currently in my 13th year working for the XXXX XXXX XXXX. I previously had loans with XXXX which were taken over by XXXX. The Public Service Loan Forgiveness was brought to my attention and I learned that my loans would have to be transferred to XXXX XXXX. Once everything was completed, I immediately noticed numerous issues. I have always consistently paid my loans and have never had poor standing in terms of paying on time. Based on the practices of XXXX XXXX, it seems as if they are purposely attempting to bring upon hardship and force me into a payment that I can not carry. My payment when moving from XXXX to XXXX XXXX was {$430.00} on XX/XX/XXXX. During the first week of XXXX, I called regarding finding out how to ensure that my loans would qualify for the PSLF since that is the only reason I moved my loans in the first place. Fast forward to now, I applied and come to find that my payment has increased! I just received notice that my monthly payment will now be {$630.00}! Never was I told that applying to change my repayment plan would increase my payment. I have a mortgage and other bills and this fluctuation in payment will create financial hardship in my household. It seems that each time I call and speak to a representative my payment increases and I am given conflicting information from each representative I speak to. I simply ask that my payment stay within its original range and now soar to what I am expected to pay on XX/XX/XXXX. Each time I call to ask for help, my loan has been put into forbearance without my permission or I have been given incorrect information that has led to a higher payment.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely unacceptable.
Consumer complaint received 2019-02-11
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: DISCOVER BANK (WI)

I am not aware of these inquiries made on these dates. 

XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards
Consumer complaint received 2019-02-12
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. (CA)

On or around XX/XX/2019 I sent a certified, return receipt letter to Equifax requesting method of verification of a medical collection showing up on my credit report with them. I received my return receipt acceptance dated XX/XX/2019. As of today XX/XX/XXXX, I have still heard no word from them. I was asking for a very simple request and because they refuse to cooperate or respond, they are in violation and abusing the system just because they think they can. 

FCRA 611 ( a ) ( 7 ) provides : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/ 2017, XX/XX/ 2017 and XXXX XXXX, XXXX and XX/XX/ 2017 is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but TransUnion and XXXX  you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. ()

Crypto.com claimed my etransfer but then decided they cant add it to my wallet they then said they will return my money which is over XXXX XXXX But they never did. They still owe me my own money for over 2 months now many different people wrote that the commpany will send me my money. They never do. Its been over 2 months!!!!! 
I can never talk to anybody by phone they refuse to its only by email
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2019, I sent a letter to Trans Union, asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have taken longer than that.
Consumer complaint received 2024-02-09
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. (IL)

The Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. 

Secondly, in accordance to 15 USC 6802 states we can opt out of anything. That law clearly states that I have the option to opt out of anything and companies are supposed to send this to us every month and I never recieved one from XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX  According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your company is in clear violation of the law, under 15 U.S. Code 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish all the above accounts on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; As stated above, delete the above late payments AND account statuses from my consumer report, this agency in in violation of 15 U.S. Code 1681.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (NY)

Credit karma mislead me numerous times. I'm financially strapped and tried a few times to get a card threw credit karma them insisting I have excellent chances of getting a card. I tried like 4 different times thinking this time I'll get a card
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC (CA)

On XX/XX/2019, I sent XXXX credit card {$250.00} ; keep in mind my limit is {$500.00} I was not over it. Somehow they ate up {$150.00} 's in fees ; the largest fee being the annual fee of a {$100.00}. This is unexceptable. The advertising shows no annual.
Consumer complaint received 2023-08-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries on credit report
Consumer complaint received 2023-08-14
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. (NJ)

The following Hard Inquiries are NOT mine and i never gave permission or authorization to pull my credit : 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 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 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 2023-08-14
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: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-09-07
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. (CA)

in accordance with the fair credit reporting act.XXXX account number.i dont see a account number on my credit report but i am pretty sure you can figure it out with my personal information.anyways my rights were violated 15 u s c 1681 section 602A have the right to privacy and 15 u s c 1681 section 604A section 2, it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2019-02-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Collections U.S.A., L.L.C. (CO)

Credit co did not Bill insurance Company XXXX take {$0.00} copay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Re : Bank of America apparent amount of XXXX re : account # XXXX ( from XXXX   credit report as obtained onXX/XX/XXXX Credit reporting Agencies : XXXX and XXXX Date Credit reports Ran XX/XX/XXXX ( XXXX ) and XX/XX/18 Called Bank of America, no information given other than the account not belonging to me. 
The {$15000.00} from Bank of America does not belong to me ( new and just starting to build credit ). Bof A thru inaccurate reporting to XXXX and XXXX caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.
Consumer complaint received 2019-02-11
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CA)

Checked my credit report on XX/XX/XXXX and Navient was reporting on a student loan Ive never had with them. They recently started to report on my loans who were with XXXX and now XXXX yet they have hit my credit horrible and my student loans are from XXXX they could not have been my services ever and I want this information removed. 
I have a credit attorney working on this and they have never been able to provide documentation and kept reporting till XXXX
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (IL)

After a Dispute with XXXX XXXX they applied an extended fraud alert without my consent and listed my phone number incorrectly. The last for of my phone number was listed incorrect my number is ( XXXX ) XXXX XXXX  had my number as ( XXXX ) XXXX. Causing massive issues. I applied for an account with Destiny credit card and received a letter listed below with reference number DestinyXXXX, that stated they were unable to verify me, and gave me a number to call. I called Genesis FS Card Services at XXXX and spoke with XXXX an account manager for Genesis FS Card Services, and I explained the situation and let her know I had XXXX correct their mistake and asked her for a reconsideration. XXXX told me that she could not offer me a reconsideration and that I would have to apply all over again receiving another inquiry.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a dispute letter via certified on XX/XX/XXXX, to Transunion, XXXX and XXXX asking to investigate the reporting or validate the debt of these accounts I have listed. Its been over 30 days and I have not received a response. This is violating my FTC rights. 
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 2019-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

ON XX/XX/2019 I RECEIVED A ELECTRONIC LETTER TELLING ME THAT THEY WILL CLOSED MY ACCOUNT ON XX/XX/2019 I CALLED BECAUSE I BELIEVED WAS A ERROR BECAUSE THEY NOT HAVE ANY REASON TO DO THAT. 
THE REASON THEY SAID THAT I USE MY ACCOUNT FOR BUSINESS, ADVISE THE CUSTOMER SERVICE TO REVIEW MY ACCOUNT BECAUSE I JUST USE THAT ACCOUNT FOR PERSONAL USE ONLY AND NOTHING ELSE THAT PAY MY BILLS AND DEPOSIT MY PAYROLL CHECK, THEY SAID THAT WAS THE REASON IN NOTES IN THEIR SYSTEM. I OWN TO THEN A LOT OF MONEY THIS IS NOT EVEN MAKE SENSE.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent off an investigation request letter to Equifax certified mail on XXXX. They received the mail on XXXX. I asked them to do an investigation on the list of accounts that are on credit reporting. It's been 30 days, and I haven't received a response from them ; here is the Tracking # : XXXX
Consumer complaint received 2019-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I thought I was on track with the " help '' of Navient to be in line for the PSLF and that is when I found out that my publicly backed student loans do not count as qualified payments. I needed to convernt my loans to direct loans. My loans were owned by the department of ed and serviced by navient, but that wasn't all that was needed for the PSLF. That seems to be what was best for navient. Also, I spent years struggling to repay and Navient kept pushing me into hardship forbearances instead of even telling me about the income based repayment plans. That would have saved me a lot of fees and interest over the years. 10 years out of school I have a student debt principal about what I borrowed. I would say the train of misinformation began after my XXXX XXXX  in XXXX with forbearances and fee city. In the early XX/XX/2010 's I got setup on IBR after reading about it online and struggling with the company to get me the paperwork. I was never explained about direct loans vs FFEL, which my school pushed me into the FFEL loan program as far as I can tell, no alternatives were explained. I was misled about the PSLF qualifications with my IBR based loans as qualifying even though they are not.
Consumer complaint received 2022-08-19
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. (NJ)

This is coming from myself and no other person. On XX/XX/XXXX I contacted this company in regards to my right to privacy. This company has been furnishing items on my consumer report without my consent. This is a violation of federal law. I demanded this company to remove these items that are against the law and this company did not comply. In fact they claimed to have done an investigation when in fact there is no investigation needed in my demand to exercise my right to privacy. This is IDENTITY THEFT 18 U.S Code 1028. EXTORTION. 18 U.S Code 872. RACKETEERING 18 U.S Code 1962, FRAUD AND SWINDLES 18 U.S Code 1341 and 18 U.S Code 880 RECEIVING THE PROCEEDS OF EXTORTION. Amongst the FCRA violations like PERMISSIBLE PURPOSE 15 U.S Code 1681b
Consumer complaint received 2019-02-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (FL)

On XX/XX/2018 I purchased a new vehicle from XXXX XXXX XXXX off XXXX XXXX in XXXX. The sales man called XXXX XXXX XXXX to get my payoff on that day which was {$12000.00}, but failed to inform me they did not process the payment until XX/XX/XXXX. Causing more interest to acrue on the loan making it that they left a balance of {$150.00}. That balance then continued to increase with late fees until they FINALLY paid the account down to {$0.00} on XX/XX/XXXX. Not to my knowledge until XXXX called me saying the payment was late in mid XXXX was I aware of this, I immediately text the sales agent and informed him, he said he would get right on the matter and assured me again the issue was handled and he would overnight a payment to XXXX. It was not till middle of XXXX that I reviewed the credit report and saw the late payment on my credit report. I have since called XXXX and XXXX XXXX XXXX multiple times. Some of the representatives say they are helping and will have it removed, while others have said that they can't resolve the issue and transfer me to another department, I have exhausted all other resources, as I would have liked them to resolve their mistakes. I have never had ANY late payments on this account.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

You should not provide negative information to a credit reporting organization until you have thoroughly reviewed my dispute. If negative information has already been recorded, you must tell the agency to remove it until the investigation is completed so that my credit report stays correct, or at the very least, it is updated to reflect my dispute.