davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In  XXXX   2016  I went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.
Consumer complaint received 2024-01-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have had an account with Capital One for years. They solicited another offer which I accepted. I paid the balance in full as always and they placed a 30 day hold on my card saying it was for " internal processes ''. I asked if they could share in writing, they said they can not. I asked for the terms and conditions of my card, they refused to provide them saying I was them provided when I signed up. I show available credit of {$5.00} on a {$750.00} credit line. 

I asked who monitors credit card agencies, what federal agency. The agents supervisor told her she can not answer that question. 

Payment made XX/XX/XXXX {$710.00} Card available for use on XX/XX/XXXX per their hold which they refuse to share what the hold is for aside from vague " wait for payment to process answers ''. 

How is this helping my credit? Why can I as the card holder have no information on the hold placed on my card.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In reviewing my recent credit report, XXXX XXXX XXXX is reporting {$5900.00} balance owed with XXXX XXXX  that is not my account. Reached out to XXXX XXXX  and the company is no longer in business. Notified the credit bureaus and creditor to notify them that the account not my account and need to be removed.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

AUTO LOAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} ___ CREDIT CARD XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00}
Consumer complaint received 2017-06-01
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. (LA)

XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within the ir 30 al lowable days.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY XXXX
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA (NE)

Hello CFPB, I attended The AI of Colorado, which recently came to a settlement of misleading students in the XXXX XXXX XXXXXXXX ( formally XXXX XXXX XXXX ) case. 

When I attended XXXX XXXX XXXX XXXX, I, among many other students, had been given false information about employment partnerships, salaries and placements. With those marketing tactics I was driven to obtain Federal loans to attend XXXXXXXX XXXX XXXX XXXX. Tuition became so expensive that I ran out of Federal Funding and was required to obtain private student loans at a variable interest rate in order to complete my XXXX program. I was given the same XXXX grace period post-graduation to where my loans would not become in an active repayment status or adjust to XXXX. 

However, mid-way through my XXXX journey I became ill and was forced to take a XXXX medical leave. I was diagnosed with XXXX XXXX and had to have my left XXXX removed. During this time away from school my private loans were switched to an active repayment status and started to bill payments. As well as adjust to XXXX. During my recovery I was unable to work. When I was cleared to return to school I was ordered to only work part-time. 

Once I discovered that I was being billed for my private loans I reached out to my servicer, American Education Services, to discuss my situation. I offered to provide medical documents to prove my situation and to get AES to contact the lender to discuss reverting my private loans back to a no-payment status. This was unsuccessful. 

The original principal balance of this loan was approximately {$25000.00} set to a variable rate of 6.5 %, with an approximate margin of 2 % above XXXX. Since I was unable to make full payments, I continued to be placed into a forbearance period. These were the only options provided to me and were done without consultation or investigation to my situation. Over the years I eventually graduated and was unable to land any job in my field of study. In turn, jobs I could obtain were not anywhere near the income needed to support the payments of both private and federal loans ( totaling {$110000.00} ). 

As time moved on my private loan interest rate shot to 13 % and because of my hard work a dedication to repairing a diminished credit score ( due to missed payments from these loans ) I was finally able to refinance my private loan away from AES. This loan was finally refinanced at XXXX XXXX XXXX XXXXXXXX at a XXXX principal balance of {$54000.00}. My private loan was dragged through so many forbearance programs, capitalizing interest, and rate changes that my principal balance doubled the original borrowed amount. 

My complaint is it is absurd that any loan affiliated with The XXXX XXXX XXXX should be active. Private or not, the for-profit school took advantage of thousands of students by capitalizing off false claims. I am hoping to see that the route of private loans falls the same course of Federal Loans. 

I thank you for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX I opened a retail credit line with XXXX XXXX through XXXX XXXX. for 2 years and 6 months straight i never missed a payment. On XX/XX/XXXX somebody used my identity and maxed out my credit card with XXXX XXXX ( {$1300.00} ) I called XXXX XXXX to dispute the charges made and was told by the fraud representative that the investigation was successful and after investigation I had not made those charges. After 3 months of back and forth calling to remove the balance of the successful dispute XXXX XXXX sold the account to a collections agency named Midland Credit Management. This company has repeatedly called me at all hours of the day harassing me to pay a debt that is not mine. I changed my phone number 2 times and still they somehow find out my phone number and call me. I have told them multiple times that this is not my debt and they do not listen. I have disputed this charge on all XXXX credit bureaus with no end results. This account is listed on all XXXX of my credit reports as a XXXX Charge off reporting negatively even after I was told that it was taken care of. I 'm tired of being harassed over this when i never made the charges to begin with.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

State GovernmentRef :  XXXX  Tax Lien - Filed State GovernmentRef :  XXXX  Tax  Lien  - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted. This is incorrect information. It does n't belong to me. It needs to be deleted.     Both  XXXX  and   XXXX   have deleted these items, therefore they need to be deleted.
Consumer complaint received 2017-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C.Tech Collections, Inc. (NY)

Beginning of XXXX I received a letter regarding a medical debt. I only was provided with the amount and account number, no service date. I called an the creditor stated that the debt was owed. I asked for clarification since the doctors office stated that insurance information was provided. I also informed them that by law a XXXX recipient was not liable for medical debt, therefore the collection efforts are to resolved by the debtor and insurance. Mid XXXX I received another notice regarding the same debt. again no date of service or clarification. Called the creditor to explain that this is illegal and to stop sending notices. Creditor rep became nasty and I terminated the conversation with a goodbye.
Consumer complaint received 2024-01-28
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. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX have Violated My Rights : Account Number XXXX Account Name XXXX XXXX XXXX have Violated My Rights : Account Number XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a Citi Gold Checking account in XXXX 2016 by using a promo code which offered a XXXX XXXX miles bonus. I believe I have met all the requirements to receive this bonus. However I did not receive the bonus. I also contacted Citi customer service many times about this issue and were told the bonus would be posted to my account within 90 days of account opening. Unfortunately the 90 days deadline had far passed. But I still have not received the bonus. Therefore, I believe Citi bank has failed their promise on this. I am requesting Citi bank to honor their promise and post the bonus as soon as possible. Thanks
Consumer complaint received 2021-09-03
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: Skopos Financial, LLC (AL)

Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.
Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (DC)

Dear XXXX, I am writing this letter in support of my dispute with American Express and XXXX XXXX. I had purchased XXXX XXXX XXXX tickets with my Amex Card in on XXXX XXXX XXXX. Due to medical reasons my parent could not fly and we had to cancel the trip last minute. We requested XXXX XXXX for a refund and they would not honor the request inspite of this being a medical emergency. 

We filed for a dispute with Amex in XXXX XXXX. The result was in the favor of XXXX XXXX. Terms of settlement were that the fare can be used by my parents for a period of a year and a change fee will be applied. 

In XXXX of last year we found out that my mom can not can not fly for extended period of time due to medical reasons. ( 18 months ). Per documentation from XXXX XXXX, if the customer can not fly for an extended period of time, with a supporting medical letter, they will honor a refund. I contacted Amex and filed a dispute in XXXX XXXX. I repeatedly asked the agent to accept the medical letter. I was told that Amex would n't need XXXX to support my case. The case was ruled in favor of XXXX XXXX. 

I reopened the case in XXXX XXXX. I sent a support letter and a copy of the medical records. My argument was very simple. Please refund the money or issue a transferable credit that XXXX of our other family members can use. For a Third time the decision was made in favor of XXXX XXXX with the same terms, that the member can use the credit to book a flight upto a year. i.e. XXXX XXXX. They ( XXXX XXXX ) also said that supporting medical letter was not enclosed. I had sent the letter and Amex has received it. The dispute department failed to attach the letter. 

The Airline now refused to issue any credit as its past the 1 yr period. 

For the fourth time I reopened the case in XXXX XXXX. I sent an explanation letter as requested by Amex, and a copy of the medical records again. I explained to the associate the problem that Amex did not provide the medical letter which XXXX requested. I was assured that this would not be the case and this time it would be a smooth sailing as they have all the documents on file. I was assured that Amex has great customer service and this is a XXXX off exception. For a 4th time the decision was made in favor of XXXX XXXX who also said that supporting medical letter was not enclosed. 

It is past the 1 year deadline. Amex has dropped the ball 3 times and now I have lost the money paid to XXXX XXXX because they fail to do their part.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (GA)

-Remove fraudulent Inquiries from Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-03
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: MARINER FINANCE, LLC (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft MARINR FINC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OR)

Cease and desist sent XXXX XXXX, 2020 and certified as delivered to debtor on XX/XX/ 2020 was violated by repeated, harassing phone calls on XX/XX/2020 ( XXXX, XXXX, XXXX ).
Consumer complaint received 2018-02-01
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. (FL)

XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

I have a charge on my credit fro m Southw  est Credit i n the amount of  XXXX . They said that it is from an alarm company which we had but when I asked what the charges are for they ca n't explain that to me. I asked them to remove the charges if they ca n't explain what the charges are for and they said they would not.
Consumer complaint received 2017-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

Navient has  started to call me upwards of 5 times per day in the last week. They refuse to leave voicemail 's and reference what they would like to speak about, they call only during hours when I am at work, and they continue to call to the point of harassment, not allowing me sufficient time to return the phone calls.