davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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. (NC)

In accordance with the Fair Credit Reporting act : has violated my rights with the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Laws listed below states my rights have been violated ; 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 2022-02-08
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: DISCOVER BANK (GA)

There were several inquiries made on my credit report without my authorization. I received a letter from XXXX advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX XXXX, Discover Financial ServicesXXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX  XXXX, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/2021, XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX, XXXX XX/XX/2021
Consumer complaint received 2015-09-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

I went to XXXX XXXX University in XXXX, GA from XXXX, I took out private loans to cover the additional cost of school not knowing the difference between federal and private loans at the time because my financial advisor did not do a good job at educating me, or answering questions. There were times that this private loan would say that I owed them money but I started going to another school so it should have been deferred. In recent years, they started back calling and I would give them {$150.00} for a forbearance because they state that I only had a certain amount of years for this loan to stay deferred. Not something I was aware of but I paid the forbearance not knowing that eventually that would run out too. Now I 'm up to over $ 100K in debt with this loan and they are telling me that my forbearance time has run out and I need to pay them. When they go over my finances they see money that I do n't see so what I 'm telling them I can pay they are not accepting to it and telling me what they want me to pay. I have talk to supervisors several times who are n't willing to budge and override so that I can give them what I have. One person told me that it would be okay to give them all my money that I have and they do n't care what happens in the event of an emergency. At this point I 'm just broken because I 'm actually trying to pay on my debt and they are making it extremely difficult. Not to mention that they are so rude as if I owe them money personally.
Consumer complaint received 2020-05-26
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have sent several letters asking for proof bearing my signature showing this this account has been late. I have never received a response, in fact this account was paid and closed fro over a year and know this company just added that this account is now open and hit me with another late. 
i have also disputed with the bureau and it has gone un answered.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion and XXXX both have my bankruptcy as currently on file on my credit report. It was 7 years as of XXXX XXXX, 2016. When I requested the removal they stated they could keep it on my credit for 10 years.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion : Transunion still shows XXXX as a student loan on my credit report. I only had XXXX XXXX for a short amount of time till I consolidated my student loan. Federal loan is handling my student loan. I no longer have XXXX XXXX. It 's a mistake. It was taken out of my report for XXXX, however it still shows as a loan on my transunion. This loan was closed and should no longer show on my credit report. 
Thank you for your attention to this matter.
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

To Whom It May Concern : Again we write in regard to unauthorized communications dated XXXX XXXX, 2016 and XXXX XXXX, 2016 received from SPS - Select Portfolio Servicing ( attached ). 

Please be advised that there is no debt owed to SPS or obligation incurred by the Complainant to SPS. SPS has made up an account is fictitious and fraudulent. SPS has failed to validate any debt as previously demanded by addressees. SPS has admitted to Complainant that SPS has misrepresented an alleged debt. SPS, its successors and/or assigns have no authority to act in any capacity in this matter. 

We do not and will not engage in the establishment of escrow activity of any nature, which SPS seeks to initiate. 

Be advised that all legal and relevant property bills have been paid and will be taken care at all times by the Complainant in contract with direct vendors only. 



BY : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (KS)

I tried to purchase my report online and received error codes that a report could not be furnished. 
Called for customer service and they were also not able to get a report online for me. 
Sent ID documents as requested. 
They orally confirmed my ID was fine. 
Again tried to purchase credit report and did not work. 
Called customer service again and after 8 attempts they were not able to generate a report for me either. 
They had no answer or explanation. 
I was denied credit and then tried to use phone system to get a free report, but I got message that the automated system was down. 
I then attempted to get a free report online and it would not generate a report either. 

So I ca n't buy or get a free copy of my Equifax report and I have been trying for over a month. 

Each time they try to process a payment for a report I ca n't get, it puts a hold on available credit on my credit card and I need that credit available.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NJ)

I've put several complaints in pertaining to Midland. About an alleged debt they say I owe. They brought the debt which that's illegal because the company who sold the alleged debt ( XXXX XXXX XXXX XXXX  I never received the 1099c form so I contacted the IRS against XXXX XXXX XXXX for tax fraud. I've asked Midland to stop contacting me and they are still sending me letters. Tomorrow I will be going to the post office because this is Mail Fraud. Midland said they would Cease and Desist contact. Today XX/XX/year> I received a letter from Midland. I thought It was from XXXX XXXX XXXX because that's what the letter says, but when the person answered the phone it was Midland. Midland is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Kentucky Higher Education Assistance Authority (NJ)

During the Covid-19 pandemic, during the relief program that started on XX/XX/XXXX until XX/XX/XXXX, repayment and deferment policies were put in place, and loans were no longer being put into default during this time. I have a student loan that was placed in default XX/XX/XXXX, and can not access it or pay it off due to the servicer no longer having access to it because it is property of the Dept of Education, but the Dept of Education doesn't have access to the loan either. This defaulted loan is preventing me from receiving financial aid for continuing my education. Please advise me on how to get my loan out of default when it was not supposed to have happened during this time and the Covid relief program.
Consumer complaint received 2022-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WSFS FINANCIAL CORPORATION (FL)

WSFS Loan # XXXX, dated XX/XX/XXXX, recorded in XXXX XXXX, FL as Instrument # XXXX was paid off on XX/XX/XXXX ( see attached Closing Disclosure ). 

WSFS has not released the mortgage from the public records, which is causing a delay in a current closing. WSFS tells me I must submit a written letter requesting WSFS produce a satisfaction of mortgage. 

WSFS was obligated to place the satisfaction of record within 30 days of receipt of their payoff funds. 

I demand WSFS place the satisfaction of mortgage of record immediately. 

WSFS has done this before, on a previous mortgage, resulting in a previous CFPB complaint ( XXXX ).
Consumer complaint received 2015-08-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NJ)

Pay Pal claims to have sent me an email stating I was violating their terms. I never received the email from them. I purchased My Cash Cards to load on the debit and pay bills and send money to my son to pay rent. They have denied me access to my debit card and when I spoke to a supervisor they said they are holding my money, over {$2000.00} for six months! I was given XXXX email addresses and have sent XXXX emails and I have not even received an email reply, How can a company be allowed, legally, to hold a clients money for six months once that company decides they do n't want you as a client. This is something that congress should investigate
Consumer complaint received 2016-02-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Regional Adjustment Bureau, Incorporated (FL)

I received a collection letter from RAB Inc claiming I owe XXXX of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for XXXX XXXX XXXX through RAB. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (CO)

Received collection letter for parking violation from XXXX XXXX XXXX. Never incurred this debt or had notice prior to receiving this mail. I called their number and refused to give them any personal information which they required to proceed.
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

My credit card experienced unauthorized charges. The credit card company, First National Bank of Omaha, did reverse all the charges, however after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?
Consumer complaint received 2022-02-08
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)

we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to XXXXXXXX equifax and XXXX
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MS)

My Citibank Diamond and Thank You Preferred cards decreased my credit limit an enormous amount because I am " using them more lately. '' I'm using them more lately because I haven't been able to work during the COVID crisis. I was depending on my credit to buy groceries, etc., through this hard time that we are all going through. I have made no late payments, have not skipped any payments, or asked to defer payments. Payments have continued to be made as agreed. They decreased the limits on both cards to the extent that I have {$36.00} available credit on the Diamond and {$56.00} available credit on the Thank you Preferred. They basically cut off every bit of credit that had extended to me. I have called and emailed the company explaining the circumstances. I spoke with XXXX XXXX who was very rude and offered no assistance. Not only has this cut off all credit that I needed, it also has substantially damaged my credit score by decreasing the amount of available credit I have. I am simply asking that Citibank restore my credit limit on both accounts. They will continue to be paid as agreed as they always have.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CA)

Unauthorized account, mishandling of dispute, poor customer service. 
My XXXX blue XXXX XXXX account was sold ( " converted '' ) to Barclaycard on XXXX XXXX, 2016. My XXXX XXXX XXXX XXXX account was cancelled and my outstanding balance was transferred to Barclaycard without my consent. My Barclaycard arrived in the mail and I learned that I needed to pay my outstanding XXXX XXXX balance to Barclaycard. However I had no access to XXXX XXXX on line account information or customer service after the conversion and Barclaycard did not yet have the information about transaction on my XXXX XXXX Account. So I paid my XXXX XXXX balance to Barclaycard, but also requested that Barclaycard send me statements regarding my XXXX XXXX transactions. 

When those statements arrived with my prior XXXX XXXX transactions, I realized that there was an unauthorized charge on my XXXX XXXX account on XXXX XXXX, 2016. After trying to work with the merchant, I determined that the merchant was not willing to resolve the issue and issue a refund. But when I contacted XXXX XXXX I was advised that I needed to contact Barclaycard for any customer service or dispute. 

XXXX XXXX, 2016 I called Barclaycard on and initiated a dispute regarding the unauthorized charge. I did not receive any case number or letter documenting the dispute, nor were the funds put back on my card. I heard nothing at all. I contacted Barclaycard again regarding this matter on the following dates : XXXX XXXX, 2016 Status check- case pending, no information XXXX XXXX Status check-case pending, no information XXXX XXXX Status check- was told they would send the dispute to the " back '' for escalation so I could get an answer. 
XXXX XXXX, 2016 Spoke with two agents about the dispute : XXXX : Said dispute had not been handled correctly but it was probably because of the conversion. Requested higher escalation to Client Relations and said I should get a call or a letter sometime within a couple of weeks. However she could not provide me with any documentation of the dispute or case number. 

XXXX Dispute supervisor ( Reference number XXXX ) Explained that XXXX XXXX was responsible for handling the dispute since the charges went through before the conversion. So that is why Barclaycard was not handling the dispute in the usual way. That is why I did n't get any letter or documentation that the dispute had been opened. The dispute had been sent to XXXX XXXX but nothing had been received from them and that XXXX XXXX was not being compliant with the agreement.
Consumer complaint received 2023-03-19
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Creditor/Bureau, I am writing to dispute several items on my credit report that are causing my credit score to be very low, and I believe that these items are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to dispute the following negative items : XXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
XXXX XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
The FCRA requires that credit reporting agencies and creditors report accurate and complete information about consumers ' credit histories. It also requires that they investigate any disputes that consumers raise about the accuracy of their credit reports. I believe that the inclusion of these negative items on my credit report is inaccurate and unfair, and that they are in violation of the FCRA. 

I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or in violation of any applicable laws or regulations. If you can not verify the accuracy of these items, I request that you delete them from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-08
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. (SC)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an incorrect charge on my XXXX credit report. This charge was reported by Military Star card and has unjustly impacted my credit score.

I did not receive a bill or notification by mail or email regarding this charge, and I was unaware of the small amount involved. The credit card in question was used only once, and I had no further transactions on it. Due to the lack of communication, I was not aware of the charge until it appeared on my credit report.

Additionally, Military Star had a 90-day no pay policy in the past, which was not granted to me in this instance. There was no information provided on the bill, no updates sent to me, and no communication via mail or email. 

Given these circumstances, I am requesting that this charge be removed from my credit report. The delay in addressing the charge was not due to any neglect on my part but rather due to the unusual delay in the notification process. 

I seek your assistance in resolving this matter as it has significantly affected my credit score and, consequently, my financial well-being. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX