davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

XXXX and Equifax state that they can not provide my free credit report online. XXXX says it is because " A condition exists that prevents XXXX from being able to accept your request at this time ''. And Equifax asks security questions that are not related to me in any way so I do not know the correct answers. 

I discovered the problem as I tried to get my social security statement online. When registering for an online social security account I was asked credit account questions that are not related to me. So I wanted to check my free credit reports for potentially wrong information. This is when I found that Equifax was asking the very same questions that the social security administration was asking. So I am blocked from my free credit reports from Equifax and XXXX and I can not open an online account with social security. 

BTW, there was no problem with getting the XXXX free credit report and there is nothing unusual in it. Somehow Equifax and XXXX have a system in place that results in wrong information. 

Because I can not see the information I can not correct it unless I send a written request with sensitive data through regular mail which flies in the face of protecting this very same data. 

It is a shame that XXXX and Equifax can not or are unwilling to get their houses in order. It looks like they are using the free credit report system to force people to subscribe to their own services.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MD)

I recently pulled my reports and noticed you are reporting the incorrect balance owed and date paid for this account ( XXXX XXXX ). In fact, per their correspondence, my debt is not owed by XXXX  XXXX XXXX and was satisfied internally. The information is being reported by your company and the bureaus are different, this means the account has not been properly verified. Most recently, this company reported that my last payment activity was in XX/XX/2021 which is incorrect. They are now continually re-aging my account which is against the FCRA.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (KS)

i have sent 4 times by fax all of my fraud documentation, including proof of my account opened with the FTC fraud department. this company refuses to remove this account off my credit report. the refuse to send me the paperwork regarding this account, so i can file a police report. i can '' t purchase my home until this item is cleared.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX  XXXX XXXX
Consumer complaint received 2017-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AL)

The company has contacted me multiple times about this debt, and every time I request more information, they say they will mail me a letter. After a few months of this, they finally mailed me a letter but it contains no information about the debt other than the amount. It says the debt is to XXXX but I currently have a XXXX account and do n't show a balance due on the bill. Additionally, the company never said that I could dispute the debt or gave me information on how to verify the debt. In conclusion, this debt is not mine, and the company failed to provide further information or ways to dispute the debt.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I was visiting XXXX in XXXX of XXXX, ( first time there ) I purchased one item at a store in XXXX XXXX XXXX on with my credit card. When I arrived at my resort I noticed that there were three charges on my credit card, one for {$210.00} which I believe was for my purchase, however there were two more changes that I did not authorize, one for {$230.00} and another for {$210.00}. I do recall when I was with the merchant that they ran my card a few times and stated that they did so as the machine was having an issue. They even brought in a second machine for the purchase. The charges took place on XXXX I submitted a dispute with Citi Bank immediately, and then was advised this was not a dispute but was fraud. I followed up with the fraud dept and then was advised this was actually a dispute. The dispute was then decline and I was advised they would be sending this over to their fraud department as it is actually fraud. Today XXXX is the 9th time I have reach out to Citi bank. I was told today this is not fraud but a dispute. I am getting the run around and can not get anyone to resolve my issue. I even spoke with the fraud supervisor XXXX today, she was in no way helpful. I had the one of the worst customer services experiences I have ever had. I requested to speak to a manager, I was advised by XXXX that there was no one above her and she was the only person I could speak to. 

I feel I have exhausted all options to get any assistance from Citi Bank. I can not seem to get the fraud dept. to speak with the disputes dept. I did not receive any goods for these purchases, and the fact that Citi Bank is allowing the merchant to keep the funds is very concerning. I am not feeling protected by Citi Bank. I am an excellent customer and would appreciate if I can get an explanation for why this dispute was sent to fraud if in fact it is a dispute? Or why this dispute is being declined. I would like to see the documentation from the Merchant on the purchase for these changes. 

I was actually told that due to me handing the card to merchant even though I did not authorize the charges, that I had some fault. It was said a few times to me you had the card in your possession I understand that I had the card in my possession, does that mean I have no protection from Citi Bank if the merchant fraudulently chooses to run my card multiple times in order to steel funds? Any assistance in this would be much appreciated.
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/2021 SPS ( Select Portfolio Servicing ) reneged on XX/XX/2021 letter acknowledging having received a completed application asking if single family house xyz had rental income. I had already emailed and stated inside application itself dated XX/XX/2021 Currently, income from xyz rooms is {$0.00}. 

On XX/XX/2021 I angrily repeated to SPS no change in income in a 45 min phone call where SPS relationship manager xyz asks if I wanted to pay XXXX mortgage payment at no fee and tells me decision moved from XX/XX/2021 to XX/XX/2021. 

On XX/XX/2021 SPS acknowledges application complete but resets date from XX/XX/XXXX to XX/XX/2021 delaying SPS decision by over 2 weeks. Processing time is 30 days. 
This results in decision delayed from XX/XX/2021 to XX/XX/2021 hoping the xyz family will in the future be able to pay past mortgage payments and SPS refuses to help. 
SPS commits fraud employing tactics to confuse, delay and not help by stalling decision to help or not help.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me Experian it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Consumer complaint received 2016-06-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

XXXX XXXX me into around {$45000.00} in student loans, and now i have debt with high monthly payments and no work in my field of study. I have worked paycheck to paycheck since i graduated XXXX 2011, and still have zero luck in finding a decent job. i somehow managed to pay $ XXXX- {$18000.00}, but i also worked side jobs to manage my bills.
Consumer complaint received 2022-03-31
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. (OH)

XXXX XXXX XXXX, the registered agent of XXXX XXXX XXXX XXXX, is violating consumer Laws pertaining to my credit report. I do not have the account number as the credit reporting is extremely inaccurate and inconsistent, but the alleged account in reference is showing a credit card with a balance of {$13000.00}. 

This information is inconsistent across ALL XXXX credit bureaus, XXXX, Transunion, and XXXX. 

Incorrect and inconsistent Account # Incorrect and inconsistent Date Opened Incorrect and inconsistent Date Last Reported Incorrect and inconsistent Date Last Active Incorrect and inconsistent Date of Last Payment Incorrect and inconsistent Payment History Furethermore a charge off may not report a past due balance under fcra laws. 

There is more than sufficient evidence on my report of negligence to the Consumer credit laws. Furthermore I have already disputed this account which XXXX XXXX has verified as reporting accurately. Let it be known you are now WILLFULLY violating consumer credit laws, which carries a greater penalty under law.
Consumer complaint received 2017-09-30
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. (UT)

Experian a major credit bureau had illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act Experian violated all privacy rights due to their false and misleading ways. According to the fair debt collections practices act, Experian has mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others. 
Fair Credit Reporting Act False and Misleading Practices Truth and Lending
Consumer complaint received 2016-12-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

I was XXXX in XXXX XXXX. This past XXXX, XXXX student loans accepted my Federal XXXX determination and discharged my private student loan ( my doctor also completed their form ) but Navient Student Loans ( previously XXXX XXXX at the time the loan was taken out in XXXX ) has refused. I am still in need of XXXX and can not work full time. I also attended the XXXX XXXX of XXXX. Navient refuses to even consider me for deferment or forbearance.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX, I was using XXXX  airport parking lot, when checking out, I slid my CITI XXXX Visa card. So the should only be one charge of XXXX {$5.00}, but my card got charged 4 times! 
I disputed through Citi card web site. But they ask me to send 4 letters to enclose receipts ( which there is no receipt ). detail explanation and send the letter back to them as well as my detailed exchange with the merchant. The process is so convoluted and I have to spend {$4.00} in total for postage to possibly get {$15.00} back. That is ridiculous.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. ()

FDCPA violations by Navient Corporation -- My complaint regards XXXX subsidiaries of Navient Corporation illegally contacting my sister in relation to an apparent debt collection. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call General Revenue Corporation at XXXX. '' On XXXX XXXX, 2016, my sister received a voicemail from a representative of General Revenue Corporation requesting information about me. The aforementioned phone number was provided as their callback number. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call Pioneer Credit Recovery , Inc. at ... '' General Revenue Corporation and Pioneer Credit Recovery , Inc. are both subsidiaries of Navient Corporation and they share the same mailing address. 

I have never given Navient Corporation consent to communicate with third parties. I have never lived at my sister 's address, I have never provided anyone my sister 's address as my own address, and my sister and I have never shared the same address as adults. 

This mail violates XXXX U.S.C. 1692b by communicating with a third party more than once and by using language disclosing to a third party that it 's a debt collection business. 

It also violates 15 U.S.C. 1692c by communicating with a third party without my consent.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IN)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IN)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation (GA)

On XX/XX/XXXX I received a debt collection letter from Suburban Credit Corporation, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 
The Letter stated that I owed {$81.00} for a Year XXXX debt associated with XXXX XXXX XXXX. I'm assuming that this Center is in XXXX. I lived in XXXX  until XX/XX/XXXX. However, I never received notice of this debt in XX/XX/XXXX nor XX/XX/XXXX when I moved from XXXX back to XXXX. I never received notice of this debt while living in XXXX after moving from XXXX. 

I wrote two Letters one dated XX/XX/XXXX and the other dated XX/XX/XXXX in response to the debt collection letter. I essentially stated that I was never aware of this debt and that the stature of limitations had expired for collection of this debt. 

I have not received any correspondence back from Suburban Credit in reply to my letters, to date.
Consumer complaint received 2022-09-09
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: Continental Finance Company, LLC (GA)

In accordance with the Fair Credit act CONTINENTAL FINANCE COMPANY Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I asked for a due date change, filled out the date change request and received a conformation. The date was XXXX to the XXXX made an online payment today and the online ap doubled the payment to pay the next month bill that is not due.. I called Toyota finance and the person informed me that, that is what the system does and she can NOT stop the payment or cancel the payment. Informed me to go to the bank and put a stop payment on the transaction, but of course there will be a cancellation fee and late fee!!! I believe this to UNTRUE and UNLAWFUL!!
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when i applied for a mortgage and was reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

This is not a verification dispute. 

USDOe/XXXX Account # XXXX is old and is reporting 15 years on my credit report. 

USDOE/XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. Navient have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old USDOEXXXX Account XXXX.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (MO)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MO)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.