davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
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. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-24
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. (UT)

I got an alert from one of my credit monitors that a hard inquiry was made on my TransUnion credit report on XX/XX/2023, from XXXXXXXX XXXX XXXX. I have never done any business with XXXX XXXX XXXX. 
I tried to contact the XXXX XXXX XXXX and TransUnion several times by phone but have never reached a real person. I sent each of them a letter asking about the unauthorized hard inquiry on my credit history but never received a reply from either one.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have a Capital One XXXX XXXX XXXX card. In XX/XX/XXXX, I had my dryer repaired, and paid using my card. In XX/XX/XXXX, the repair failed, and the dryer caught on fire. I looked at my receipt from the repair service, and noted their warranty was only good for 90 days. I recalled that my Capital One card came with extended warranty benefits. I called Capital One, and the rep told me I don't have such benefit. I looked on the site, and reviewed the following information. Warranty benefit page XXXX XXXX XXXX XXXX My Card type is listed as a XXXX XXXX XXXX XXXX XXXX XXXX. However XXXX isn't a listed card type on the benefits details page XXXX XXXX XXXX XXXX I looked at the " XXXX XXXX '' page at XXXX XXXX XXXX and looked at the warranty benefits section. I called " Benefits Administrator '' number listed there, XXXX, and received a recorded message that the number had been disconnected. I feel that Capital One has defrauded me, or poorly communicated my card type/benefits to me. I paid {$310.00} to have my dryer repaired, and can not obtain the warranty benefits which Capital One claims in writing that I have. I paid another {$200.00} to have the dryer repaired again, and this doesn't cover the fire damage. 

I filed with XXXX, and Capital One responded in a robotic manner, and didn't address my question, they simply said this wasn't a XXXX benefit anymore. I am still unsure if my card ever had this benefit, and don't understand why it was never communicated that this benefit was cancelled.
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-03
Product: Credit reporting 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. (NY)

I have these unauthorized inquiries on my Equifax and XXXX reports and I have no knowledge as to how they appeared on my report and I consider them fraudulent. 

EQUIFAX 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 2018-05-08
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. (PA)

I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - XXXX XXXX  ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Card ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.
Consumer complaint received 2018-08-30
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: EQUIFAX, INC. (TX)

I want to monitor my credit and repair it upon finding any inaccuracies. But Equifax is not allowing me to sign up for their services. And they want me to acknowledge debts via my credit reports by asking multiple times did have any credit cards, mortgages, auto etc. Those may well be some debts on there but I don't know what's on there.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc. (PA)

XXXX XXXX XXXX has been reporting to all three of my credit reports despite that fact that I had disputed this debt with them several times as well as disputing with all three CRA and it has been returned as verified. I would like to know how this alleged debt has been verified. I had requested from them legal validation on this alleged claim that I owe and had requested that they provide me proof of there ownership of this account. I had a phone conversation today with a Supervisor XXXX XXXX and requested from him the authorization that I had signed with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX XXXX his response to me was this is not required. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I have attached all information that I have received and sent to them to this complaint.
Consumer complaint received 2018-08-30
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. (TN)

Equifax had a data breach in XX/XX/2017. When I inquired into their site I was advised that it was likely my information was among the data affected by the breach. Since the breach one of my credit cards was victimized by fraudulent activity. I have since had to shut that card down and have it replaced. I don't know what other actions might have occurred or still might yet occur as a result of the breach.
Consumer complaint received 2023-03-17
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. (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. 

Account name : # XXXX, XXXX XXXX, Account name : # XXXX, XXXX XXXX XXXX XXXX, Account name : # XXXX XXXXXXXX XXXX XXXX Accounts name : # XXXX XXXX XXXX XXXX, Accounts name : # XXXX OFFICE OF THE ATTY GENER, have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2020-02-04
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: LEXISNEXIS (UT)

I applied for a new phone with XXXX. They came back and said that I had a low credit score and I would have to pay more. I received a letter from XXXX with an explanation. They got their information from Lexis/Nexus. Lexis/Nexis score was XXXX. All other reporting agencies are above 800. I sent Lexis/Nexis a letter asking for documentation. They sent me a letter saying they could not find any information on me ...  even assigned me a case # XXXX. ( XXXX used my name and SS # which they gave to Lexis.Nexis and they were able to give XXXX back a very low score. ) I gave them all the information they needed. No reply. I went online and asked for my credit report from Lexis/Nexis and gave them the information again. Just received a letter asking for the same information again. They assigned me another case number # XXXX. Hence, my request to you. They are simply avoiding the issue. And it is apparent that they do not want to provide me with any information about this problem.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I got an alert stating my credit score went down XXXX because I applied for new credit cards in XXXX and again in XXXX. I did not apply for any credit cards in XXXX or XXXX of XXXX. I also had a fraud alert put on my accounts because in XX/XX/XXXX I was robbed- all of my personal IDs and passport and phone were stolen while in XXXX. I had a fraud alert put on everything.
Consumer complaint received 2018-08-22
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. (MS)

Hello, To whom it may concern The reason for this complaint today is I have incorrect information reporting on my credit report. I disputed the process three times. They still have failed to show me proof from the original creditor to report the information and no signed contract. I disputed this information XX/XX/2018 WITH XXXX AND EQUIFAX. I received a letter from XXXX on XX/XX/2018 stating that they would look further into and investigate the information provided by me within 45days. I still haven't got a reply as of today 's date XX/XX/2018. It has been two months and more since i received the letter. I still haven't received anything from EQUIFAX SINCE I MAILED THE LETTER OUT. They have went over and beyond 45days violating my consumer rights. I will ask for ALL the information that i disputed must be deleted immediately. If this information is not deleted in 15days i will file suit against these two bureaus. I have proof of USPS receipt as well as documentation of my disputes. Hopefully we can get this matter resolved with no further action.
Consumer complaint received 2022-07-09
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal closed my checking account back in XX/XX/2019. I have been trying to get this matter resolve since then. Until this day I have yet to get answer as to why my checking account was closed. I have email the CEO but have yet to get a reason as to why my account was closed. I really need CFPB to look into this matter for me. As I feel this was unfair as I haven't done anything wrong for my account to be closed.
Consumer complaint received 2018-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

On XX/XX/2018 I received three letters from XXXX in response to three Employment Certification Forms sent on XX/XX/2018. Original copies of all three Employment Certification Forms from three separate school districts were sent to XXXX via USPS Priority Mail. Copies of each were taken and maintained along with Priority Mail receipt. 


All three letters from XXXX denied PSLF qualification. The first denial was based on " certified employment dates listed on ( your ) ECF were prior to the date ( you ) received ( your ) Direct Loans that would be eligible for PSLF. '' The second denial was based on " Your employer did not provide the begin date of your employment in Section 3. The authorized official at your employer should contact us within 90 days of the date of this letter to provide us with this information so we can process your request. If you want us to consider your request after the 90 days, complete and submit new ECF and make sure to complete all of the required fields. '' This is FALSE and is an INTENTIONAL ERROR on the part of XXXX as BOTH the original and copy of the Employment Certification Form have the begin date in Section 3. 

The third denial was based on " The authorized official at your employer did not provide the date they signed the form in Section 4. Complete and return the enclosed form. Don't forget to have your employe sign and date the form in Section 4. " This is FALSE and is an INTENTIONAL ERROR on the part of XXXX as BOTH the original and copy of the Employment Certification Form have the date the employer signed the form in Section 4. 


These are INTENTIONAL ERRORS and FALSE statements on the part of XXXX to delay and possibly deny what is my legal and fair right to apply for and receive the Public Service Loan Forgiveness under United States law.
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Account Discovery Systems, LLC (IN)

XX/XX/2018 a guy named XXXX called and left a voicemail on my phone stating he need to get ahold of me for paperwork to be sent to my employer for verification. At no time in the voice mail did he identify as a debt collector or state what the call was about. I called back on the XXXX XXXX XXXX a recording told me to hold for the next person again never said it's a debt collector. Then a guy who said his name was XXXX XXXX answer and again nothing about being a debt collector was said. At this point I didn't know who they are or what they need I asked for XXXX as he instructed in the message. The guy said he was gone for the day but he works closely with him what do i need. I told him about the message and then started that i felt like this is a debt collection and if it is that is against the law for them to not identify as such. He then got very rude and stated that he could not help me that I would need to call back tomorrow of wait for the next call from them if I wanted to know what the matter was about. He then hung up on me. I called back and informed him that if he was indeed a debt collector to seize and desist their attempts to contact me over the phone or with my employer. That still never said they where a collection agency and also never informed if the call was recorded. The company is Account Discovery Systems LLC
Consumer complaint received 2023-03-17
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc. (GA)

On XX/XX/XXXX a call was placed to XXXX XXXX requesting a copy or original bill as well as the collection bill. Nothing was ever received. Today XX/XX/XXXX a call was made again requesting and wanting to know why the documents were not sent. This rude lady said they arent required to send original bill even though they work for XXXX XXXX   XXXX. I again requested copies. They were given address to send to.2 addresses and neither address received one. At first she stated that when the bill was disputed they had to send to address XXXX has on file. Well the call was made requesting information 3 weeks prior to that. Enough time to send to address requested. Yet they did not. These bills were a surprise. My ex wife has put me down as responsible party and weve Been divorced for 7 years. I have not been to XXXX XXXX. Thats why a request was made for original bills and to see who signed the forms at office for procedures. Ive received bills with my ex wife being patient and me as responsible party. Im not sure how a hospital or medical business can add a person as responsible party without their consent. This needs removed off my credit. Ive given them since XX/XX/XXXX to produce a bill and they refuse and say they can only send the collection bill. Before I or anyone pays a bill they are unaware of. They should have right to see what they're paying for. Since they have not been a patient at place bill is from.
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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. Also states a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2022-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens Bank has missaplied my mortgage payments several times. They applied several partial payments to principal rather than to suspended funds. I did not instruct that any of the payments were to be applied toward principal. I began sending 50 % of my mortgage payment bi- weekly in XX/XX/XXXX. In XXXX I recieved 2 of the payments back and was informed the bank does not accept partial payments. However, every payment up to that point had been, accepted and I discovered many of them were missaplied. I have called several times since the end of XX/XX/XXXX to have this corrected. It is now XX/XX/XXXX. Each time, after many call re-routes, disconnections, and much time on hold, I was informed the information was noted, the issue is being worked on, and I would recieve a call back within a week. I have never recieved a call back. Currently my account shows the current payment due as XX/XX/XXXX, although, I have sent payments that should have been applied as mortgage payments, which would cover XXXX and XXXX. I was told during my first phone call that a hold would be put on reporting to the credit bureau until XX/XX/XXXX. The issue should have been resolved by then. The issue still is not resolved, and Citizens has reported my payment as late, causing my credit score to decrease drastically. My fist payment in the amount of {$3300.00} was due XX/XX/XXXX. The following payments have been sent through XXXX XXXX XXXX XXXX bill pay service and accepted by Citizens Bank since our closing date : {$1600.00} on XX/XX/XXXX, {$3300.00} on XX/XX/XXXX, {$1600.00} on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, {$3300.00} on XX/XX/XXXX. The following are dates that I have called Citizens Bank in attempt to correct this issue. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

My student loans which were being serviced by Great Lakes have been transferred to Nelnet ( as of early XX/XX/2022 ). As a result of this, my credit score ( as reported by XXXX ) is now indicating my student loan account as closed which has resulted in a significant decline in my credit score due to the decrease in the number of accounts. I am going to be applying for apartments soon and the decreased credit score could have negative impacts on my apartment search.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX  XXXX I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Hey I spoke with customer service at XXXX and experian they wouldn't take care of the negative inquiries reporting on my credit report