davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

XX/XX/2024 a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop XXXX  XXXX XXXX for attempting to collect a debt
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (IN)

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights 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 XXXX XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Consumer complaint received 2022-05-02
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!
Consumer complaint received 2022-05-02
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. (FL)

In accordance with The Fair credit reporting act XXXX, this account. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!
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. (CA)

I was looking at my credit report and found XXXX unauthorized inquires from XXXX back to back. I made Equifax aware they were unauthorized they keep telling me to call XXXX, who was absolutely no help at all. I have never done any business with XXXX and don't know they are.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I noticed that portfolio recovery associates was pulling my credit and I called them to ask them what they were pulling my credit on and they told me they were trying to pull it on two things XXXX XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. So this one that is XXXX XXXX XXXX & XXXX that is XXXX XXXX XXXX. They were both discharged in bankruptcy 13 years ago but they're still pulling my credit they can't prove that I owe the debt they can't prove that they have the right to go after this debt and they can't prove that they're out the right after the limitation that has expired
Consumer complaint received 2021-03-30
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. (CA)

Hello, I mailed a credit dispute letter to TransUnion via United States Postal Service Certified Mail Receipt # XXXX on Friday, XX/XX/21 ( see attached document titled " TransUnion Dispute Letter XXXX XXXX. '' I received a response from TransUnion on Monday, XX/XX/21 titled, " TransUnion Investigation Results XXXX '' via United States Postal Service. The total time for the TransUnion reply was beyond the 30 days that the FCRA allows. 

Furthermore, TransUnion failed to conduct a complete and independent credit investigation as outlined in the FCRA. The attached document, " TransUnion Investigation Results XXXX '' shows that they did not conduct a full and complete independent investigation for the following items : XXXX - Acct # XXXX - Unverified Account XXXX XXXX DELAWARE XXXX Acct # XXXX - Unverified Account XXXX XXXX XXXX - Acct # XXXX - Unverified Account I have also attached my Proof of Identity Documents.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

CITI BANK please provide me with the Original Creditor signed agreement form them. That I opened this account. I believe I would have to give you CITI BANK permission to disclose any information to any CRA can you please provide me with the signed agreement that I initiated such agreement.? I have already asked for this information and I am steal requesting for CITI BANK to provide me with this simple piece of evidence.
Consumer complaint received 2022-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I took out the loan in XXXX but the following year, I XXXX  my job, home and all financial abilities to pay back this loan. I was forced into a forbearance. I attempted to apply for the hardship exemption but Sallie Mae never responded to my claim. They ended up taking over {$2000.00} in tax refunds for a couple of years. However, those payments were never shown on my file. When XXXX took over, I attempted to work out a payment plan. they indicated I needed to pay the full amount or be placed in another forbearance. I was working at a XXXX XXXX XXXX. I was not making ends meet and I could not afford this amount. So each year the payments were attempted but too much to pay back. Which XXXX rent being so high, I can't afford the {$200.00} + payments. I attempted to apply for the Public service forgiveness. They told me I was wasting my time. They refused any info other than I needed to pay the loan in full. I worked for a XXXX for XXXX  years and moved to a different XXXX  organization. Navient stated I could not change jobs the only way I could apply for a public service forgiveness is if I started all over again with my new job. Then in XXXX, I was told ( right before Navient switched to XXXX ) I had to consolidate the loan to a loan with the Dept of Education or I would not be eligible. only to find out that I now have to start at zero again. I might not be eligible for the Sallie Mae/Navient forgiveness XXXX They really lied to me and misled me to believe I had no options to pay this back. They stole my tax money and never applied it to the loan. now, when interest rates should not be applied, I owe more than I owed in XXXX. Over {$11000.00}!!!! This is a loan shark! They will have me paying this long after I am retired. This is not fair! What makes me ineligible for the same programs as most people struggling? I was XXXX and there is nothing that could help me? They stole from a XXXX  women trying to survive. That is wrong and now, after XXXX years, there is still no help or apology? This is not justice!!! How can I get help? How can I get back the time taken from me because I was conned into consolidating before the Navient transfer? does Washington know how Navient is still messing with people?
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I had been calling Mohela PSLF phone number for 5 days now. Each time, a representative has picked up the phone and upon hearing my question, told me that they were unable to help me and transferred me to a different department ( not sure what department is this as I asked multiple reps if theres a direct number to reach them ).

Once I get transferred, I am on hold for more than an hour and still nobody picks up the phone ( not to mention an hour long wait to reach the first rep ).

Is there anyone that can help me answer my question? This is beyond frustrating to be on hold for so long and then the person on the other side isnt able to help you.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I was trying to debt consolidate and move the amount I owed on the Wells Fargo credit card to my other credit card. I had first try to do it online but then the process was rejected and so I called and they told me I had done it wrong. On XX/XX/XXXX. I had an employee complete the transaction for me so that it was done correctly. Then for me that I should have no problems, and that everything was done correctly. a couple days later on XX/XX/XXXX my card was closed with no explanation. They claim they sent out mail but there is no way they could have sent mail and I had received it within just a couple of days. They said it was because of those two attempts to move the funds It was considered fraud. Again, I was not aware a bank was able to just close that account without calling or making sure if it was fraud. I explained that to them and no one ever got back to me. I kept calling and calling and calling and no one ever had any answers. Since then I have gone through financial struggle and my credit completely plummeted. I want to take legal action, but I was in the middle of having my first child, and I had too much to deal with to keep calling and haggling with them when they knew it was their fault. Below is a list of all the conversations and times that they should have even on their record. They record phone calls, so they have this on there and also. I have been a customer since XXXX and it is extremely heartbreaking All my hard work has gone to waste. 

Called to complete transaction : - XX/XX/XXXX Card Closed - XX/XX/XXXX ( Mailed of info about card ) Case Opened - XX/XX/XXXX Case Closed by bank - Case # : XXXX - XX/XX/XXXX ( XXXX ) XXXX Case was closed because the issues was resolved - Only point of contact or follow up was through mail Follow Up Call - XX/XX/XXXX - new case # created : XXXX - Intake group department # to follow up XXXX - Hours : M-F XXXX central time - Will be contacted within 10 days, stated by employee
Consumer complaint received 2022-05-02
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. (PA)

in accordance with the Fair Credit Reporting act 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  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 2020-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (CA)

I have never received any form of contact from Midwest Recovery Systems. One day I received a credit alert, and noticed my score dropped. The cause of the drop was due to a collection account reported by Midwest. Upon learning this, I have tried contacting the agency as I was not called, mailed, or in any sort of communication. I requested my debt to be verified twice. It was reported on XX/XX/XXXX as a collection/ charge off. The due amount is {$200.00}. That is all the information I have on this debt, and only because of my credit alerts. They have yet to reach me and it is already XX/XX/XXXX.
Consumer complaint received 2018-03-10
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. (MI)

My complaint is about Experian and their refusal to report our mortgage as being open and paid. I have sent mortgage statements, and documents from the lender ( XXXX ) that this account has never been closed, and is being reported as such. From what Experian has explained to me is that in XXXX the account was discharged due to a bankruptcy, and the tradeline was never inserted back by XXXX. XXXX informs us that they have no control of when a tradeline is removed. On XX/XX/XXXX, XXXX submitted Automated Universal Data form ( AUD ) number XXXX to Experian to reinsert XXXX tradeline. I spoke with Experian on XX/XX/XXXX, and they informed me that Experian will never be able to report our mortgage, because the time frame had passed for XXXX to have the tradeline reinserted. Our mortgage was never included in our bankruptcy, and it should have never been removed from Experians credit report. The other credit bureaus are reporting our mortgage as open. So, in conclusion, its been ten years since Experian stopped reporting our mortgage, and some lenders use Experian to determine eligibility for credit. I want to know if it is legal for Experian to refuse to report our mortgage. I have been back and forth with Experian and XXXX to resolve this matter. Thank you for your assistance.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for an American Express card and they sent me a letter in the mail stating that i was denied at this time because of fraudulent information they received from my consumer report, this is unauthorized use as defined under TILA 15 usc 1602 ( p ) i received no benefit from this consumer credit transaction.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21.
Consumer complaint received 2021-03-30
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. (MO)

on XXXX I sent certified letters to credit reporting companies XXXX XXXX, equifax, and XXXX. I have been patient and even tried to call multiple times but still no answers or emails. I have seen on y credit that I have items hat are not mines and wanted to get them removed. I understand covid is taking longer process but it has been over 60 days and I would like the negative false items deleted so I can move forward with my life thank you.
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. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-08-17
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)

All of the accounts and inquiries listed below were all opened fraudulently without my consent. 

Equifax XXXX XXXX XXXX {$710.00} Acct # XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2021-03-29
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: BMO Bank, N.A. (IL)

On XX/XX/XXXX I entered into a person loan with BMO Harris for {$15000.00}. Due to being diagnosed with XXXX  XXXX in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was XXXX, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by BMO Harris on this loan. When I was well enough, I contacted BMO Harris and notified them of my near XXXX XXXX issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted BMO again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.
Consumer complaint received 2023-04-06
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: SANTANDER HOLDINGS USA, INC. (TX)

The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are : XXXX XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my Experian, XXXX, and XXXX credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with XXXX  was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my Experian, XXXX, and XXXX credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

Around XX/XX/XXXX! My account has been closed! Because my girlfriend write me a check about {$10000.00}! Befor I deposit I did not tell her! I m gon na deposit right now! I think. Bank call her said do you wirte check for anyone deposit! She said no! We are missed communication! So bank reject my deposit! And my bank had closed by chase! On XX/XX/XXXX I try to reopen a new account at chase! After 2 days my account been closed! I really like chase bank I wan na know how can I reopen!
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX 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 2022-01-19
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. (LA)

Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collections:XXXX