davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (NY)

Please be advised the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA CB Indigo/GF # XXXX {$500.00}, XXXX/XXXX  XXXX  # XXXX {$680.00}, XXXX XXXX XXXX # XXXX {$2600.00}, XXXX # XXXX {$280.00}, XXXX XXXX XXXX # XXXX {$460.00}, XXXX and XXXX XXXX # XXXX {$350.00} Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Sm Bus Admin DA XX/XX/XXXX
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mitchell Rubenstein & Associates, P.C. (VA)

offices of Mitchell Rubensten & Associates are under courts favor of a garnishment agenst my Wife 's bank account for the amount owed. in sort my wife lost her job and my income was the only one coming in. are bank accounts are connected but sepurate. Mitchell Rubensten & Associates had all the account she was connected to Lock 100 %. this included my account. this lives me and my wife with no money for other bills that are due. I have tried to talk to them about my account. but nothing but you will have to wait until the next court date of XX/XX/XXXX in XXXX county the case number they have is XXXX
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MA)

I am close to XXXX payments for XXXX forgiveness ( Public service job since XX/XX/XXXX ). When loans were maybe going to restart last summer I recertified my IDR plan ( XX/XX/XXXX ). I was placed on the XXXX plan. The letter I received stated my payments would be {$670.00} for XXXX  months. When loan payments were restarting I received multiple confusing letters from Mohela regarding my loans. XX/XX/XXXX I received a letter stating my loans were placed on administrative forbearance ( no explanation why, but I assumed this was to address the many loan payment issues I heard of in the news ). XX/XX/XXXX and XXXX I received letters regarding autodebit confirmation of {$670.00}. XX/XX/XXXX I received a letter stating my loans were moved to the XXXX plan and lower payments. XXXX letter said my payment would now be {$21.00}. Another letter said my loans were placed on the XXXX plan and itemized the payments for each loan totaling over {$5000.00} a month. In a letter dated XX/XX/XXXX, but received XX/XX/XXXX I was notified my account was again on administrative forbearance. Again no explanation. XX/XX/XXXX I received XXXX letters dated XX/XX/XXXX with an autodebit notice of {$5200.00}. XX/XX/XXXX ( letters dated XXXX ) I was notified of administrative forbearance in XXXX letters. I was again notified of administrative forbearance XX/XX/XXXX. I assumed this was all to correct Mohela 's obvious errors. XX/XX/XXXX I received a letter that I would be auto-debited {$5200.00} XX/XX/XXXX. I immediately reapplied for XXXX to try and have the payment adjusted more appropriately. I was charged {$5200.00} XX/XX/XXXX. Since then I have exchanged multiple ( unhelpful ) messages with Mohela and spent over XXXX hours on the phone with them spread over 3 days. I guess this is the call diversion issue I have read about. I was told the only available solution is to have the $ XXXX refunded and XXXX would not count towards XXXX. XXXX also doesn't count according to Mohela because I was on an involuntary administrative forbearance. I have also tried to communicate with Mohela regarding a few loans that had payments not count toward XXXX ( but other loan payments that month count for the other loans ) and they have been wholly incompetent at trying to address my concerns.
Consumer complaint received 2022-04-13
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. (SC)

Hello, my name is XXXX XXXX XXXX, and 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 Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Consumer complaint received 2022-04-13
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. (SC)

Hello, my name is XXXX XXXX XXXX, and 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 Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Someone robbed me and did id theft, they got prison time and these items are still on my report! 
XXXX XXXX XXXX accounts XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian XXXX regarding my account and not being able to get my daily credit score or 3 bureau reports which they offer for XXXX per month. I spoke with several representatives regarding this issue and was also escalated to a department to rectify the issue. They transferred me to Experian disputes stating something was wrong with my SSN but when I spoke with the representative in disputes they stated everything looked good. I continue to get the run around and as of now can not access my current report or pay to get the monthly reports from all 3 bureaus.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (AR)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$4200.00} XXXX  XXXX XXXX {$230.00} XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX/XXXX  {$400.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (CA)

Several months ago, I was a victim of identity theft. Someone opened, and attempted to open, a number of accounts in my name, and made charges on some of them. Despite the inconvenience, I was quickly able to clear this up with the several financial institutions involved. All were sympathetic, extremely helpful, and professional in reviewing their own records to verify the facts. All except one... 

Apparently, someone either opened an account or made some sort of charge in my name with XXXX XXXX. The amount was {$6.00}. I never got a bill from the retailer. I do not have an account with them. I have no paperwork whatsoever regarding this charge. I don't know what is was for, when it happened, etc. But I started getting calls and correspondence from XXXX XXXX XXXX. One of the things they sent me said I could go on their web site and report that this was an incident of identity theft. I did so. But I still continue to get phone calls, sometimes several a week, from them. Sometimes, they hang up the phone as soon as I answer it. On other occasions, I have spoken with their representatives and explained the situation. Just today, I got a call. The woman said I had to provide some written documentation " proving '' my case. I asked how one provides documentation about a transaction one had nothing to do with, and has no information about. The time before, I asked the man who called to send me anything in writing they had that supported their claim that I was, in fact, responsible for this charge. He said he would look into it, but never got back to me. 

If they would show me any evidentiary details of the charge, there is a good chance that I could, in fact, demonstrate that it was not me. But I suspect they have nothing, other than some entry in their computers ; so they prefer to try to put the onus on me to prove a negative. 

I am sick of this. If I weren't so stubborn, I would just pay the {$6.00} to stop the harassment. But it has become a matter of principle. 

I would appreciate your help. Thank you.
Consumer complaint received 2022-04-13
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. (GA)

I have contact TransUnion on the following dates ( this year XXXX ) : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To make XXXX on why the Inaccurate Inquiry information that is being disputed is still existing on my credit bureau report. I have sent them letters certified and other dating back to XXXX concerning this issue. They refuse to delete the information even when given all required information pertaining to a Identity Theft issue. They continue to keep this erroneous information on my credit file. This is causing me considerable delay and denial of a higher credit score. I have attached my latest letter to TransUnion which they stated they never received. Please see all of the Inquires I want to have removed.
Consumer complaint received 2022-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TX)

BSI Financial is not timely responding to requests for information regarding the status of applications for mortgage assistance. We have mad several attempts to contact their office but their voicemail requests that we leave a message that will be returned which hasn't happened. The online account workout status has not updated the information we submitted over two weeks ago. The email message response only says we're processing it with no specific information regarding the status.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (CO)

On XX/XX/XXXX I opened a Key XXXX Checking account online after receiving a mailed promotion from KeyBank offering a {$400.00} bonus for making a minimum opening deposit and one single direct deposit of at least {$500.00} within 60 days of account opening. I went in-branch on XX/XX/XXXX and made an opening deposit of {$25.00} while at the branch, I confirmed with a banker that the bonus offer code was correctly applied to my account and that the only other requirement was to make a direct deposit by the XX/XX/XXXX deadline. My checking account received a payroll direct deposit of {$600.00} on XX/XX/XXXX, thus fulfilling all the requirements of the bonus offer. 

After more than four months since completing all the requirements, I still had not received the {$400.00} bonus, so I called KeyBank 's customer service phone number on XX/XX/XXXX to inquire about its status. The KeyBank representative confirmed that the bonus offer was attached to my checking account and that I had fulfilled the opening deposit and direct deposit requirements of the offer, but claimed that I also had to make three withdrawals ( either electronically or via debit card ) from the account within 60 days of opening and denied my eligibility for the bonus since I had only made two withdrawals in 60 days. This withdrawal requirement was not mentioned anywhere in the promotion terms provided by KeyBank via mail and on their website, nor was it mentioned in-person when I visited the branch on XX/XX/XXXX. The phone rep filed an appeal with KeyBank on my behalf on XX/XX/XXXX, and called me back on XX/XX/XXXX to inform me that the appeal had been denied. 

KeyBank has failed to honor the terms of their agreement, and, despite acknowledging the fact that I have met all the original requirements, they invented new requirements as justification for refusing to uphold their end of the deal. I have attached to this complaint a screenshot of KeyBank 's web page containing the promotion terms ( which is archived online at https : XXXX : XXXX? XXXX ), an e-mail from KeyBank on XX/XX/XXXX confirming my checking account opening, and bank statements from XX/XX/XXXX through XX/XX/XXXX verifying the aforementioned deposits.
Consumer complaint received 2022-04-13
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXXXX XX/XX/XXXX 5XXXX XXXX XXXX XXXXXXXX XXXX XXXX 6. XXXX  XXXX  XXXX XXXX XX/XX/XXXX Inquiries 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX  XXXX XX/XX/XXXX 6. XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-03-09
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO XXXX YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY!
2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN
Consumer complaint received 2015-05-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (PA)

i was registered as a cosigner on a student loan with citibank. in XXXX it was electronically signed. with out my permission. i was not givin any loan information as to the amount of loan or the intrest or payback policy of this student loan. i requested to be removed from this loan as co signer as it is not mine. citibank refuses to remove me and has also attacked my credit rating with this default loan. i am unable to work with citibank student loan on this issue. they are holding me responsible for this loan which is not mine. my credit rating has suffered for years with this problem. iam paying higher rates and not getting low intrest loans because of this. i request help in this matter. Thank you XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (UT)

I took out a credit builder plus loan to help improve my credit and after about 6 payments I tried to pay the loan off but they wouldn't allow me to do this. The reason that I was given over the phone ( I have this call on a recorded line ) was that because I was late with my credit plus membership fee that they could not accept my payment either through the online app or the payment over there the phone even after I told him that the membership fee had been waived by them and not even at my request. The next month I wanted just to make enough of a cash payment on the account that would allow me to use my credit reserve to XXXX  balance and payoff the loan but they said I had to make a full monthly payment and that they would then send me the remainder of the credit reserve in 2 days to my checking account. I received a message that they were releasing my credit reserve on XX/XX/XXXX and that it would be available to me by the XXXX ( 3 days longer than what I was told ). It is now XX/XX/XXXX and they still have not sent me the overpayment which is held in credit reserve on the loan which was paid of on XX/XX/XXXX. Every day I am told that this has been turned over to their dedicated team and that it would be completed in 3-5 days. Today when I called to see if the dedicated team was done yet and was told that this was the first they ever heard of the problem.
Consumer complaint received 2021-11-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The below credit bureaus have been reporting incorrect information about my credit worthiness to lenders. 

XXXX  XXXX  Equifax On the following accounts XXXX XXXX XXXX XXXX XXXX These companies have been reporting negative payment history, which I have disputed several times due to information being inaccurate. And the credit bureaus have fail to investigate and remove them From my credit reports.
Consumer complaint received 2023-08-21
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: CBC Companies, Inc. (CA)

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. Has Violated my rights. 

1. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX/Account Number : XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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.