davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
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. (TN)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as these are not mine. I have filed a report with FTC and contacted my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX-discharged, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Thank you
Consumer complaint received 2022-11-06
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as 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 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My XXXX XXXX  account has been reported incorrectly. I have printed my credit report from transunion XXXX and XXXX. All three credit bureaus report different things. Example account numbers on credit report for all three bureaus are reported different. Date account opened all bureaus repeat differently transunion reports it opened XX/XX/XXXX XXXX  reports it opened XX/XX/XXXX. Balance reported from transunion XXXX XXXX reports XXXX. High credit reports transunion XXXX and XXXX  reports XXXX. Past due balance is reported by transunion XXXX XXXX reports XXXX. Payment status reports from transunion current while XXXX  reports late 30 days. Comments are different XXXX reports credit card amount in h/c column is credit limit transunion and XXXX  have nothing reported. Date last active transunion reports XX/XX/XXXX XXXX  reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. 

All three credit reports have reported multiple times inaccurate information. 

XXXX XXXX  and the credit bureaus should be reporting validated and accurate information pursuant to FCRA which they have not done in this case
Consumer complaint received 2017-09-22
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)

hello- I was involved in the Equifax breach ... all of a sudden, I have XXXX inquiries on my account from XXXX and XXXX that do not belong to me. I also have 2 accounts with XXXX XXXX XXXX that were NEVER paid late now showing 30 and 90 days late. This needs to be corrected and showing no late payments as it did before. I have reached out to this company to take care of these issues but they have refused. It was not my fault that they exploited my information and Im not happy about whats going on. My credit was very good with no derogatory information and now these items have appeared on my report. On top of that, theres an academic loan with XXXX XXXX XXXX for over {$400000.00} that does NOT belong to me. I want these items to be removed within 5 days upon receipt of my complaint or I will be seeking legal advice.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint against Experian for serious violations related to the reporting of multiple XXXX  loan accounts on my credit report. The inaccuracies and unauthorized disclosures not only breach the Fair Credit Reporting Act ( FCRA ), Consumer Credit Protection Act ( CCPA ), and Privacy Act but also implicate the Family Educational Rights and Privacy Act ( FERPA ).

Unauthorized Disclosure of Student Loan Accounts : Experian is reporting multipl
e student loan accounts, including DEPT OF ED/XXXX and DEPT OF ED/XXXX, which should not be posted on my credit report at all. The unauthorized disclosure of such sensitive educational information violates FERPA, which protects the privacy of student education records.

Inaccurate Information and Violation of FCRA : The credit report contains inaccurate information, including monthly {$0.00} payment reflections despite the fact that the entire country 's student loans were in deferral under the CARES Act. This constitutes a clear violation of FCRA regulations ( 15 USC 1681 ), as the reported information is misleading and not reflective of the actual status of the loans. 
Unauthorized Private Information Disclosures : Experian is displaying private information, including balances and payment histories, without proper authorization. This unauthorized disclosure violates both the CCPA and the Privacy Act ( 5 USC 552a ).

Failure to Reflect Loan Consolidation and Forgiveness Programs : The credit report fails to reflect that these loans are consolidated and may be eligible for forgiveness through programs such as Public Service Loan Forgiveness ( PSLF ) or the Federal Student Loan Forgiveness Program. The omission of this critical information further compounds the inaccuracies in the report.

I am deeply concerned about the potential harm these inaccuracies may have on my credit standing and the unauthorized disclosure of sensitive educational information. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take immediate actions to rectify the inaccuracies promptly. 

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, relevant legal provisions ( FERPA, FCRA, CCPA, and Privacy Act ). I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report.

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (CA)

I have made multiple complaints in relation to the Citibank call center. First, they do not understand English or the American culture. I tried to open a complaint but had no assistance from the call center. I spent close to {$500.00} within three months related to the phone service provided by Citibank. You are on hold for more than 40 minutes. More specifically, I travel to XXXX with high frequency. I was in XXXX XXXX in the month of XXXX. Prior to my XXXX XXXX arrival. I had a layover in XXXX and items were stolen from my checked-in bag. I was forced to make a payday loan. I made a loan with XXXX XXXX XXXX for {$250.00} on XX/XX/2021. I received an email offering me XXXX XXXX dollars. They contacted me and wanted confirmation of all my information, bank account, debit card #, address, and telephone numbers. I thought it was legitimate. They deposited {$490.00} into my account on XX/XX/2021. I was told that they wanted to verify my account and made the deposit. I called Citibank when the deposit occurred to check its validity. The agent that I spoke to concur that it was legitimate, so I continued with their procurements. They asked for their money back and I made the payment via XXXX XXXX. They requested two payments, one of {$270.00} and the second payment of {$220.00} which I complied. I did not feel comfortable with the situation. I told the person that was calling me that I was no longer interested in their loan. On XX/XX/2021, the check was deemed with no funds, and funds were taken from my account. I did everything in my power to ensure the check was valid, but it still was a scam. I wrote to XXXX XXXX XXXX and they stated I was a scam. I had the most difficult time in trying to relay this information to an agent. I was given like XXXX telephone numbers to call and make a complaint. They did not understand the concept of payday loans or the American loan system. You are placed on hold multiple times with long periods of wait. Due to my travels, I always have to be in contact with Citibank with issues of my travels. I am never satisfied with the service. The communication is horrific. I know that I will have to wait for a long time. Today, I called the center. The agent that took my call could not understand me. I had some items debited from my new debit card. I was issued a new card last month due to the theft in XXXX and the scam. The agent told me that they can debit items as long it is XXXX. I told the agent the reason the debit card was replaced was for fraud. Why would I want the people that had my card to have the ability to debit more items from my account. I had to work individually with all merchants that debited my card. The issue I had was that the agent thought she put me on hold and was talking to her coworkers for a long time. When she came back to me she stated that she could not do anything. These scammers have changed my PIN and informed her of such. She said nothing can be done.
Consumer complaint received 2020-12-04
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. (VA)

There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in 2016 these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.
Consumer complaint received 2020-11-16
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: EQUIFAX, INC. (FL)

I am unable to contact Equifax in reference to several Hard Inquiries that were observed on my credit report. These hard inquiries were unauthorized, fraudulent and were done without my consent. Please delete from my credit report immediately as this is damaging my credit score. I am also requesting for the security alert to be removed from my credit report. As I am unable to contact Equifax. A security freeze will be applied by me once the security alert is removed. 

XXXX XXXX XXXX ( 2 ) XXXX- XXXX - ( 2 )
Consumer complaint received 2020-10-27
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. (VA)

XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, Experian, XXXX  and XXXX, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

" Collection Agency '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX. XXXX XXXX XXXX claims to be Representing the best interest 's of the Creditor - Citibank N.A. ( Goodyear ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to XXXX XXXX XXXX XXXX which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with XXXX XXXX XXXX XXXX I am under " No '' Legal obligation to any collection agencies, and my written contract was with Citibank, N.A ( Goodyear ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.
Consumer complaint received 2018-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MI)

Diversified Consultants did NOT verify the disputed debt when debt validation was requested within the 30 day window. They were collecting {$140.00} for XXXX XXXX XXXX but couldn't retrieve the correct staatement and sent me a so called COPY of my account with an incorrect amount due. 

They were asked to itemize what I owed and just snapped some INCORRECT copy from XXXX XXXX XXXX. 

Their also NOT licensed to collect in the State of Michigan.
Consumer complaint received 2020-08-31
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: Nelnet, Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts Nelnet LNS. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (CO)

i have been called 20 times by this company in the last 10 days ( XX/XX/2023 - XX/XX/2023 ) including late calls. I have ask them to stop calling so much as i am at work or trying to get my child to sleep at night. 

the representative that i spoke with just laughed and said yea sorry about that. 

the calls continue everyday, multiple times a day. Ive never agreed to do business with this company. This is an account that was sold from another company.
Consumer complaint received 2021-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (WI)

I attempted to make a purchase at a grocery store on XX/XX/2019, using a Chase issued Visa credit card. The 2 attempts to pay for my purchase resulted in the transaction being denied. I then used a XXXX XXXX   Visa card, and there was no issue. I called Chase customer service to determine the reason. The customer service agent insisted it was nothing Chase had done or physical the card itself. I was made to feel like a XXXX and XXXX by how I was treated by Chase Customer service. Chase customer service also has horribly long wait times, when a customer calls.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My identifying personal information ( e.g., name, address, SSN ) is at risk to be stolen and for identity theft from now until the day I die due to Equifax 's security breach. 

Equifax stored my information, and hundreds of millions of others, without asking for anybody 's consent and did n't maintain a secure enough system to guard our personal information.
In addition, the U.S. government itself allowed social security numbers to  act as personal identification numbers even though these two concepts are n't the same at all. It is a nightmare to get a new number issued, but it is imperative to have one.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KY)

I have been calling and trying to setup payments I can afford since last XX/XX/XXXX. I recently had XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX and my deductible was XXXX each time, I have it setup on payments for the hospital bills and then I still have the payments of XXXX etc. When I called the first time I explained there was no way I could make XXXX payments and he said I could do a medical defer, he would send paperwork, 2 days later I still had n't received so I called back and this person said I was n't eligible for it to go fill out another setup of paper work, for the income driven. We talked for almost an hour and she took mine and my husband 's info, I did that never heard back, XX/XX/XXXX, I still had n't heard anything and my payments were passed due. I called again and she said she did n't know why they were processed and some of my loans did n't qualify and it was my understanding that this was for mine and my husbands because we both had a reference number etc, but she said no he would have to go do all the paperwork I had done and I told her the other person said he did n't. So, for me she said I need to consolidate some loans, then wait and considate others by paper, etc. I told her I have not idea what to do and I get different responses from everyone I talk to and she said do you read the emails we send and I told her I try to, but I wo n't get anything for weeks, then I will get like 10 emails in one day and they all say something different so I am at a lost. I ca n't pay XXXX a month and no matter how many papers I fill out its like I need to fill out something else or something is not right or something do n't qualify. I can never get the same answer from two different people and can never talk to the same person. 

I am doing everything I can so my loans do not go in default, because if they do I lose my job, but If I ca n't get any one answer when I call and there is always something else to do I do n't know how long I can continue.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NH)

I took several online surveys after making purchases at XXXX such as an XXXX XXXX XXXX phone. One agency cancelled a {$36.00} order, layer being able to take {$79.00} although I never made a purchase after the {$36.00} canceled order which came up XXXX items instead of one. Then XXXX took {$36.00} after I signed up for a {$1.00} shipping XXXX XXXX  which was OUT OF STOCK. The XXXX item I chose was also OUT OF STOCK, therefore I didn't chose a third item XXXX TOOK {$55.00} OUT + INT'L SHIPPING FEES OF $ XXXX. for the XXXX items OUT OF STOCK which I never re wives. XXXX is REFUSING to return the {$55.00} and TD BANK will not lete close out the account because it's overdrawn by this amount.
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-05-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AutoMoney, Inc. (SC)

In XX/XX/2021 I had a title loan with auto money of XXXX sc. I fell behind on a payment because of the pandemic and loosing my job and they called one of the references listed on my application. They pretended to be a doctors office calling about a family member that passed away that had left a living will asking for my address where I was located to send me the money the family member left in the will. I called this number back, and asked if it was auto money, they said yes, and when I told them my name, they hung up. They misrepresented their business and pretended to be a doctors office illegally for address information. I also offered to make weekly payments before the repossion happened on XX/XX/XXXX but they refused even though they were well aware of my situation and was constantly in contact with me