davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
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: Credit Center, LLC (CT)

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation , by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-08-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

I was approved for IDR plan today XX/XX/2019 ; however I received two confirmations with conflicting messages. In an email, which I will include in this complaint, states that I now have a monthly payment of {$0.00} which I need to recertify annually. This is fair and makes sense. I then received a Pdf attachment from a secure email, stating that i have a monthly payment of {$260.00} due on XX/XX/2019. What plan am I on? If I have no income, why am I now owing {$260.00}? 

Please help sort out this confusion.
Consumer complaint received 2018-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}
Consumer complaint received 2024-03-08
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. (ID)

My credit report contains ( XXXX ) collection accounts from XXXX XXXX. These accounts have been settled and XXXX XXXX agreed to remove. 
They have not been removed and in fact show a payment made to reduce, which is false and fraudulent reporting, under the FCRA. 
Equifax will not allow me to dispute These account on their sight. 
I have all documentation and fact available including XXXX XXXX letters stating accounts settled and payment accepted and will be removed.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MS)

I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by TD Bank of XXXX. I make my payments via XXXX XXXX XXXX/. I have made all my payments either on time or in advance except for XXXX, XXXX which was two days late. I can document all of these payments. 

I was pre-approved for a home loan by XXXX XXXX XXXX XXXX, TN on XX/XX/XXXX. My credit score was well above the required 620. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX TD Bank reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts ( approximately $ XXXX/mo. {$600.00}. more than my house payment would have been ) to keep my things in storage and live in temporary housing.
Consumer complaint received 2020-11-21
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 filed a FTC identity theft report to be sent to Equifax, XXXX, XXXX, I have tried to resolve this with the companies and the credit reporting agencies but they have failed to help me, so Im filing this to have these inquiries that was placed on my credit report as fraud, I want these inquiries taking off my reports, I have included in the FTC Identity theft report all the inquiries that are on my reports, I want these removed, I am unemployed I can not buy a car, I am disputing these inquiries as fraud, but do not add any fraud alert on my credit reports with out my express permission, I am sending a copy of this FTC indentity theft report to all three credit bureaus so they can have and keep this FTC identity theft report if any more show up I was alerted this morning from credit monitoring products from all three credit bureaus that these inquiries have been placed on my credit reports please remove.
Consumer complaint received 2018-07-26
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. (UT)

FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I received confirmation from two previous accounts that have been cleared and advised from the collection agencies for the accounts to be deleted off of my credit report in which I sent to Experian and they did not delete from my credit report but they updated their account when they accounts to be deleted immediately
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/XXXX I turned in my leased XXXX XXXX XXXX to XXXX XXXX XXXX and leased a XXXX XXXX XXXX. My account was paid off completely for my leased XXXX and I was turning it in because it was due to be turned in. I noticed my credit score dropped about 50 points due to XXXX stating the account was charged off as a bad debt. I contacted XXXX and was assured this problem would be fixed. I checked my credit today and the bad debt status is still showing it only states the debt has been paid off. This is illegal and untrue. I followed their rules set in place and they are now illegally misreporting my account causing my credit score to drop.
Consumer complaint received 2018-06-10
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: BARCLAYS BANK DELAWARE (LA)

BARCLAYS VIOLATION OF FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND OR FAIR DEBT COLLECTION PRACTICES SECTION 807 ( 8 ). On XX/XX/XXXX Barclays signed a " notice to dispute '' and on XX/XX/XXXX I pulled my credit report and they FAILED to mark my account " DISPUTED '' which is REQUIRED BY LAW.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (WA)

I have a pay pal account under the name XXXX XXXX. I use that sometimes to order stuff on line. On XX/XX/XXXX I ordered a pair of shoes on my Cell phone using my PayPal account not knowing it would come from XXXX. when I received it I noticed it was not the right fit. So I tried to return it to where it came from. I got no response from the store they tried to send me gift cards and asked me to donate the shoes. The transaction was for XXXX dollars. I contacted my PayPal credit to see if they can help me return the material and get my money back. They did. They finally were able to get the store address and they told me to send it back with a tracking number. This was filed on XX/XX/XXXX I did that I uploaded the receipt from USPS. I made a mistake in reporting the tracking number. I emailed them on XX/XX/XXXX to let them know of the correct tracking number. 
they responded that you don't worry and be patient. They are working on it. 

Till today they send an e-mail saying oh the case is denied because I have not provided the right tracking number. They closed the case and they are not going to open it back up. In the process I had to pay money for the postage and send my shoes back and ended up with nothing. Why are they closing the case so I could not update my information in the first place.? why they did not contacted me to find out about the right tracking number?. When I e-mailed them they told me not worry and now this is what I get back. I asked to talk to a manger or someone else no this is it. Of course they have been paid so they don't care. Is there a way that I can get some protection through you guys?
Consumer complaint received 2019-08-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

The week the 1st initial payment was due I became very sick. I c as called the manager to  inform her of my prognosis. XXXX of my small children were also very very sick. Had been in the ER WITH XXXX OF THEM ALMOST 72 HRS BACK AND FORTH BETWEEN XXXX OF THEM. I HAVE MEDICAL DOCUMENTATION TO PROVE MY WHEREABOUTS AND CONFIRM THE SEVERITY OF MY SITUATION. SHE WAS NOT UNDERSTANDING AND WAS ADAMANT I COULD NO LONGER MAKE MY INTIAL PAYMENT BCZ MY ACCT WAS SENT TO COLLECTIONS. AFTER ONLY 1 WEEK. ABSOLUTELY RUDE AND INCONSISTENT WITH PROTOCOLS AND PROCEDURE 'S.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (OH)

Per the Fair.debt collection practices act and the fair credit.reporting act All debt have to be validated and the consumer have the right to dispute the debt before a debt collection agency report it. I did not receive this from the company as the company reported this information before I was given the right to dispute and the information was validated. Therefore they violated the law. I want this information deleted off my credit report. I 'm sure that other consumers was treated this way, I have consulted an attorney for a possible class action suit
Consumer complaint received 2019-08-09
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: Adler Wallach & Associates, Inc. (CA)

I requested a validation from the collection agency and they did not submit any kind of validation. USPS TRACKING INFO : XXXX XXXX XXXX XXXX XXXX XXXX ( Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in XXXX, CA XXXX. ) The alleged debt that they say I owe has account information for the last payment made on the account being XX/XX/XXXX. The statue of limitations in the state of California for a written contract is 4 years. ( CCP 337 ) ( XXXX XXXX XXXX  XXXX XXXX   XXXX ) Currently it has been over 4 years and they are continuing to collect on a debt which makes them in violation of ( Civ. Code, 1788.14 ) ( XXXX XXXX XXXX  XXXX ) Not to mention that they are denying me a validation like I requested. California also has very strict laws in regards to what documents MUST be provided in the event of a request for validation. ( California Code, Civil Code - CIV 1788.52 ) ( XXXX XXXX XXXXXXXX ) Since they can not provide the validation they are reporting to the credit bureaus without verification and this violates a plethora of laws. ( 15 U.S.C. 1681i ( FCRA ) by repeatedly reporting inaccurate information due to this violation of federal law, I have a right to seek remedy as it has caused me damage in how I am viewed by lenders, and terms of loans received. 

More laws they have violated : Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. ( FDCPA 15 U.S.C. 1692d ) Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )
Consumer complaint received 2018-06-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION (MO)

On XX/XX/XXXX i applied with navy fed credit union for a used auto loan. I was approved for {$38000.00} at 5.39 % interest for what i was told a XX/XX/XXXX or newer truck with less than 25k miles. I told then rep i was looking at a XXXX XXXX ltz with XXXX miles because it was a nicer truck and the lowest miles i could find outaide of new. She told me that the rate MAY change little but wouldnt go.higher than 5.9 or 6 % but with the low miles it should be 5.39 % ( i have this call recorded ) note the lowest rate offered on the said vehicles.is 4.09 % so i was close to the lowest. I said ok thanks send the cbeck. The details in the loan docs.where as she stated on the phone. Tuesday XX/XX/XXXX i purchased the XXXX XXXX   XXXX ltz with XXXX miles on it and.financed XXXX. When the dealer called to.verify the check and amount, they asked the navy fed rep if the rate would change, the rep replied that as of right now no it would stay at 5.39 % but they didnt know for sure untill its completed and closed. I said ok lets do the deal. Today sat XX/XX/XXXX i got onto my navy fed account and it shows they raised the rate to.9.69 % almost 5 percent higher than quoted. I contacted navy fed ( also recorded ) and was told there was nothing they could do. I dont understand how.they can raise tbe rate that high witbout my authorization as i wouldnt of bought the truck. I asked what the lowest available.rate was he said 4.09 % and i was approved for 5.39 % so.i asked how it goes up 5 % just because i bought a 2 year old vehicle with XXXX miles on it. ( note the truck is worth XXXX $ ) he said thats how.it works and refused to talk further. After this i started applying to refinance with other banks and was offered 4.5 % for 72 months. So as we can see its not a credit or debt problem. It seems like bait and switch or fraud to me. Now to refi i have to hurry up and pay sales tax to register and pay title fees, pay navy fed a XXXX loan origination fee, and the accrued interest so basically i was not only duped but im gon na be out XXXX $ in this whole ordeal. They should not be able to get away with this and lie. They had tbe opportunity to disclose the higher rate and refused to be honest which is fraud. I advised them i will be contacting this agency, the XXXX, and an attorney and i was hung up on. I have sent multiple emails to the loan department with no.response. i think they should either lower the rate back to 5.39 or because of the inconvenance and added stress they caused me match the 4.5 % offered by XXXX XXXX XXXX. If not they should remove all fees and interest so i can.just refinance the XXXX i borrowed so im not out money due to thier games. Im a XXXX vet and i expect a bank designed to help military to help us not hurt us. Just so its out there i have a credit card with them and i have NEVER missed a payment, and a XXXX $ auto loan i just paid off in exactly 1 year. Not one missed payment. I feel people should be aware of this when shopping. Thank you
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

My sister used my personal information to open multiple credit cards, one was a Discover credit card. I had no idea she opened this card until she passed away on XX/XX/XXXX, she opened the account with my information but used her address. I contact Discover as soon as I found out and I believed that it was taken care of since I completed an affidavit of identity theft. 

On XX/XX/XXXX I went to a financial counselor to get assistance with this situation and when we looked at my credit report it shows that she had opened this account in XX/XX/XXXX, at that time I was living in the XXXX XXXX. I had no idea since I never checked my credit report. On the credit report it looks like my sister was using and paying the card on a monthly basis up until her passing in XX/XX/XXXX, the card was later closed in XX/XX/XXXX. Recently I applied for a credit card at XXXX and was denied due to this fraudulent account reporting on my credit report. 

That same day I contacted Discover and they gave me the credit bureau management department address for me to mail a letter explaining what happened and requesting for the account to be removed from my reports as it is negatively affecting my credit. I have yet to hear back from discover.
Consumer complaint received 2020-02-26
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. (FL)

I was made aware of 4 accounts on my credit report that do not belong to me. The only reason I discovered them is because I am trying to rent an apartment and today XX/XX/20 I applied to rent an apartment and i did not get approved because of these accounts. I did not open any of those accounts and I have never allowed anyone to open those accounts in my name. I did not benefit anything at all from these accounts nor did i make any purchases or payments towards these accounts. I have filed this report to the best of my knowledge and I also filed a police report.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

Good Afternoon, I am complaining on the actions taken by NFCU on XX/XX/XXXX in which they permanently closing my account due the suspicion of fraud. I had a friend wired me money from his bank XXXX XXXX XXXX in the amount of {$9600.00} to my credit card, it was on hold for 7 - 10 days to be process but it didn't process at all after several attempts. NFCU representatives declined to assist me in resolving the issue.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (PA)

I Have received Alert from XXXX that change decided on my report, then i looked found unauthorized Hard Inquiry left by US BANK this is a fraud on my credit, so right away i add fraud alert on my credit and freeze credit with XXXX and XXXX this below information has left on my credit its Unautorized Inquiry A new inquiry has appeared on your credit report. 
Alert Date XX/XX/2019 Alert Id XXXX Alert Type New Inquiry Inquirer Name US BANK Phone Number ( XXXX ) XXXX Industry Type Bank Subscriber Address XXXX XXXX XXXX XXXX, XXXX, MN, XXXX