davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (IL)

15 USC 1681b 15 USC 1681a ( 4 ) Credit Bureau violated my right to privacy when they sought out, collected and then reported my personal information for public use without my permission or consent. I do not owe the Credit Bureaus Equifax, XXXX or XXXX anything as they are not the creditor and thus, can not report anything on my credit report without my consent or knowledge. 

This is a direct violation of my rights under United States Code and a vilation of FCRA standards.

Please delete from my records.

I have attached a letter from the United States Bankruptcy Court for the XXXX XXXX XXXX Illinois - Office of the Clerk 'validating " the following : " The Court does not report directly to credit bureaus. ''
Consumer complaint received 2020-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (NJ)

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XX/XX/XXXX 

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. 

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit & Collection, Inc. (SC)

This is a debt collector I have no knowledge of who continuously contacts me and now they have signed me up for text alerts without my consent. This is a copy of the text sent just today, Welcome! You'll XXXX XXXX XXXX from Nationwide Credit & Collection Inc. XXXX & XXXX.? 's call XXXX XXXX XXXX XXXX XXXX XXXX  To optout reply STOP
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Over the past 2 years, Capital One has refunded 4 late fees and the majority of them have been during the worst of the coronavirus stay-at-home order where I had virtually no income to which I am grateful. But, I made a payment 1 day late due to the fact that I had no money till I got paid today due to losing 2 renters of rooms in my house due to the coronavirus pandemic. Both renters lost their jobs and had to move out leaving me to make a choice between paying some bills a little late or paying essential bills and costs.

I foolishly assumed that Capital One would be considerate of the pandemic, which they know about since their customer service agents are still working from home, and waive the fee. Instead, they offered to make a payment arrangement on a payment that I already made?? After speaking with a customer service agent and a second level agent Capital One would not allow their agents to refund the fee in their computer system. I also tried to do this via an automated help forum and was also denied. The extremely wealthy people that own Capital One bank do not want to refund me this fee regardless of the pandemic that is affecting me to the core! It's shameful that while everyone else suffers the billionaires that run the corporations that we all now like it or not depend on won't even throw consumers a small bone to help!

I need this money back and I need my government to protect me from the billionaires that are runningown these corporations!
Consumer complaint received 2017-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (VA)

I have Nelnet as my student loan servicer. 

I have attended many school as this is needed to stay current in the IT profession. 
I have attended an still owe loans to : XXXX XXXX XXXX, XXXX XXXX XXXX Each one of these loans was taken out as a fixed rated loan. However, I have almost accrued more interest on the loans than the initial loan amounts. This is, I have been told because the loans are not fixed rate but Variable rate loans -- which I never agreed to. 

If there any way to erase these unfair interest fees? I have XXXX XXXX ( but work ) and a Veteran. I often get sick and have been in the hospital or out of work over the years due to my illness. 

Currently the Nelnet people, keep deferring my loan-which increases the interest. 
How can I reduce the interest rates and the loan amount? They say I own XXXX ( without interest it would be XXXX ). I can not begin to afford this amt.
Consumer complaint received 2021-09-11
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. (GA)

Consumer reporting agency reporting inaccurate and invalid account information. Advised them and nothing was done. They shared private personal and financial information with others without my consent in which I did not authorize or benefit from. Compiled these private matters without my consent.
Consumer complaint received 2017-09-16
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. (FL)

My credit report carries a mortgage amount. It is associated with an address in XXXX XXXX., neither of which is mine. The IRS admits there has been Identity theft. I do n't live in XXXX nor XXXX period. I sent copy of my drivers license and the IRS letter. I rent and live in XXXX for 4 years now. Previously XXXX for 3 years and XXXX before that. It is not my mortgage and they refuse to verify that at least contact the Post office were the account seems to be registered. I do n't have any documents about the mortgage nor XXXX XXXX XXXX  because they are not mine.
Consumer complaint received 2023-01-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2021-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (MD)

I received a card from XXXX thru Comenity Bank that I did not apply for. Within days, I received a letter stating that there were " potential security concerns ... ''. Because this is the SECOND issue of this nature with cards being issued fraudulantly in my name, I want this account closed.
Consumer complaint received 2021-02-25
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: Shellpoint Partners, LLC (OK)

I have sent the payments on time and the company holds the payments until they decide they are going to process three payments at once. This has for late payments on my credit report. I have sent this information to them and this has not been corrected. They now have collected 1000s in additional fees and charges. This is my third complaint and I still do not have this corrected and have the paperwork on the certified checks from XXXX XXXX XXXX to show that these check went out each month. Then they show me late.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I recently realized that Equifax had not been up-to-date on reporting accurate information across other third-party monitoring agencies. Such as, XXXX XXXX, XXXX, credit check total, as well as their own website ; Equifax.com. I called Equifax on XX/XX/2019 and spoke with four different representatives for over an hour about missing data from my Equifax Credit Report, as well as the other two credit bureaus not being updated on the Equifax website. The four representatives that I spoke with lied and said that it had been added and they can see the XXXX XXXX account ending in XXXX. I informed them that my XXXX XXXX account had not been entered on the Equifax credit report. I let the representative know that I spoke with XXXX XXXX and they let me know that they sent an update to Equifax on XX/XX/2019. The representative made different excuses as to why It wasnt showing on the Equifax website. After speaking with all representatives, no one was able to help me and my Equifax account ia still showing inaccuracies and not reporting Updated information. I have attached documentation that corroborates my story. This seems to be an ongoing issue with the bureau Equifax. There are Thousands of people complaining online about how Equifax has failed to update their credit report in months. They are charging people for monthly credit score services with misinformation on it.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (KY)

Synchrony Bank XXXX Care Credit - XXXX I paid off my Care Credit balance of {$1900.00} on XX/XX/XXXX through my banks bill pay. I normally paid the account this way. Without my knowledge, Care Credit created another account and the payment went to a different account and created a - {$1900.00} balance. This still left the other account with an outstanding balance of {$1900.00}. So, I called to remedy the situation with the accounting department. The woman on the phone assured me that the problem would be resolved in a few business days. When the problem wasn't resolved ( I checked my online account ), I called again with the same problem and was sent to accounting again. The problem was not fixed and they assured me it would be resolved this time. 

So, thinking it was finally resolved I closed my account over the phone. The account closed. 

I received a statement in my email yesterday XX/XX/XXXX saying I still owe {$1900.00} and my payment is due in XXXX. Again, I called the accounting department and the woman ( XXXX XXXX told me that they hadn't fixed the problem properly and there was still a problem with the account and it would take 3 weeks to fix. By this time, I will be charged late fees for the existing balance on the account. I wanted to let you know that this is happening with this credit card company so that others are informed of the dangers of dealing with them. I would like to believe the situation will be resolved this time, but my confidence and trust that they will actually fix this problem is pretty much gone. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-27
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. (TX)

XXXX is a utility company that I applied for over 7 years ago. I always thought I never had this utility company 's services until it showed up on my credit report. As far as I knew they didn't approve my application because I needed to put a big deposit down to start the service.
Consumer complaint received 2021-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am writing today to notify the CFPB about an issue that is related to Identity theft. I have notified the collection company, and they have failed to comply with my request. Im now in the process of filing a lawsuit against the offending company. I have all supporting documentation, and will upload the police report as well. Please take all necessary steps to have this information removed permanently, and notify me of all findings.
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (MD)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2024-02-27
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. (GA)

Below are a list of hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I recently received an alert from Experian that indicated that the balance on my installment loans had increased by {$200.00} dollars which resulted in my credit score dropping by 18 points. The Experian member portal, did not specify which of the two installment loan accounts that are currently open on my credit profile this amount pertains to.

I therefore contacted both creditors to ascertain which and gain more information. Both XXXX XXXX XXXX and XXXX XXXX confirmed that my accounts are being handled satisfactorily and there were no adjustments reported to Experian.

I tried disputing the information online via the Experian website, but received an error message ( attached ) that suggested that i call instead. After being hung up on multiple times by several Experian member services agents, i eventually spoke to a representative who advised me that she could not file a dispute for me and suggested that i call XXXX  at XXXX. 

I couldn't understand why i was being directed to contact XXXX  when Experian is the Bureau that's hurting my credit without any obvious reason or explanation, therefore i decided to address the situation via this medium.

There seem to be something amiss with the Experian scoring model as my credit score with this bureau is 70 points lower than the other two major bureaus, despite they all having similar data. I will hasten to add, this reported increase in my installment loans is not being reflected by neither of the other two major credit bureaus ( XXXX or XXXX XXXX ).
Consumer complaint received 2021-01-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to reach out to all 3 credit reporting bureaus with no success. 

Due to Covid-19 my only source of income other than my Social Security are my EDD payments. Unfortunately my EDD account has been flagged and suspended until I can re-verify my identity which I can not due because my driver 's lic. and passport have expired and they are the only 2 ways to start the verification process. I have applied for a new lic. which can take up to 6 weeks to receive. 

Consequently I have not been able to pay many of my bills on time or in full. This has dramatically effected my credit scores. I am hoping that there is a way to intercede on my behalf to remove negative comments until my EDD payments resume.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my XXXX XXXX, disrupting my sleep and peace of mind.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

Ive have called several times to Citi Banks Secure Credit Card Dept I was transferred around 13 times the representative told they dont have no acknowledgment of this account. They even gave me a phone number to a collection agency called XXXX when I called the agency they dont have no account with my name I called back to Citi bank and was told I dont owe them Theu dont why this is show up on my Credit Report the agent name is XXXX XXXX These are phone numbers I have called. XXXX XXXX XXXX XXXX XXXX XXXX can please help me delete this from my credit report