davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

EQUIFAX HAS VIOLATED SEVERAL OF CONSUMERS FEDERALLY PROTECTED RIGHTS. INCLUDING THE REPORTING OF INQUIRIES, ACCOUNTS AND COLLECTIONS WITHOUT CONSENT, WRITTEN PERMISSION AND PERMISSABLE PURPOSE. EQUIFAX HAS ALSO VIOLATED CONSUMER 'S RIGHT TO PLACE SECURITY, FRAUD ALERT AND XXXX XXXX ALERT THORUGH MYEQUIFAX.COM. VERIFICATION OF IDENTITY HAS BEEN SENT SEVERAL TIMES AND EQUIFAX IS NOT ACKNOWLEDGING CONSUMERS REQUEST TO DISPUTE INACCURATE AND IMPERMISSABLE INFORMATION. TOTAL LIST OF THE FOLLOWING : XXXX XXXX  ACCOUNT NUMBER XXXX CLOSED ACCOUNT : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, ALSO THE AGE OF THE SATISFACTORY ACCOUNTS ARE INCORRECT THE ACCOUNTS ARE SAID TO BE OPENED IN XXXX AND XXXX BUT ARE REPORTING AS ONLY A FEW MONTHS OLD, THIS DECEPTIVE AND INACCURATE. 
REGULAR INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COMPLETE LIST OF XXXX SOFT INQUIRIES STARTING XX/XX/XXXX TO XX/XX/XXXX Consumer states they have not given any written, verbal, or non-verbal consent to the following reporting. Consumer is requesting the file be updated immediately. Consumer is requesting compensation for violations. The invoice has been enclosed with this letter.
Consumer complaint received 2022-10-06
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. (IN)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-04-18
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: JPMORGAN CHASE & CO. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is mis reporting the date of last activity to Trans Union for my old LOC. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX ) however, on Trans Union it is reporting XX/XX/XXXX.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union has re-inserted information in my credit report that is not valid or false in regards to a car loan with XXXX and XXXX. They have incorrectly reported that I have missed several payments with XXXX and they continue to report information in regards to XXXX that is inaccurate.
Consumer complaint received 2022-08-14
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX has 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2017-04-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (PA)

My home and cell phone numbers have been on do not call list for almost a decade and we have held those numbers for many years longer. All of our numbers also identify us by name when calls go into voicemail. A gentleman by the name of XXXX XXXX with Mercantile Adjustment Bureau has been calling our numbers for at least the last 4-5 years and leaving message about the debts of people we do not know, most recently one he identifies as XXXX XXXX. I have repeatedly told XXXX we 're on the do not call list and debt free and that he is calling us and leaving us messages even though he clearly knows by the ID that we are not the debtor ( s ) name that he is calling about, I have filed complaints about this company with the do not call list and this appears to be useless, since I gather debt collectors are not among those they have jurisdiction over and exempt from their lists. I 'm hoping perhaps that the XXXX could take this on as a case? I believe this is clear case of consumer harassment.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Experian is showing a credit card account as " charged off '', which is negatively affecting my credit score. XXXX XXXX incorrectly closed my credit card and reported the credit card as " charged off '', which caused the credit agencies to adversely lower my credit score. I contacted XXXX XXXX about the mistake and was informed a letter was sent to the credit reporting agencies, informing them that my name has since been removed from the card and my responsibility for the card has since been terminated. This incident occurred in the summer of 2017. The incorrect information is causing irreparable harm in searching for a mortgage lender. I spoke to a lender about refinancing my home and the lender stated that there was some negative XXXX XXXX information on my credit report. The reported Experian score is approximately 50+ points lower than my other two scores.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon checking my credit file with Transunion, I see that an account With XXXX has been removed and then reinserted between the week of XXXX through XXXX 2017. I have no legal binding contract with this collection agency. I would request that account in question be deleted permanently from TransunionXXXX and XXXX.
Consumer complaint received 2019-05-28
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. (MD)

The company claims verification of an item on my credit report. I sent letter on XX/XX/19 requesting they provide documentation associated with the account, bearing my signature. I also requested name, address and phone number of each person who personally verified the account. I do not agree to XXXX or any means of automated verification. I am requesting description of procedure to determine accuracy in compliance with The Fair Credit Reporting Act. Also, states item was reported by US Bankruptcy court. The US Bankruptcy court does not report to credit bureaus. I formally request that this information be immediately deleted form the file you maintain under my social security number. I have not received an answer to date of filing this complaint.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gragil Associates, Inc. (MT)

Graigel Associates sent me a collection notice and it is listed on my credit report so I sent them a letter indicating proof of the debt, they called back and left a message on my voice mail however the number they said to call back is disconnected, and all numbers associated with them are
Consumer complaint received 2018-03-21
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: CITIBANK, N.A. (FL)

A fraudulent account opened through XXXX XXXX was initially disputed as fraud on XX/XX/2017. To date, the account is still under investigation and continues to report a delinquent account to XXXX XXXX 's credit histories.
Consumer complaint received 2017-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX, I applied for a loan through XXXX, my score showed XXXX and I called Equifax I was told it was the car company 's fault. In XX/XX/XXXX, I applied for a personal loan, and was told again that the issue was with the loan company. In XX/XX/XXXX, I am trying to purchase a home. Last month, in the beginning of XXXX, I called Equifax again to report that the mortgage companies could not pull up my information. I was told it was the mortgage companies ' fault. I explained that I had asked for help from four different mortgage companies. I asked to speak to a supervisor. I was told that the wrong name and address were on my credit report. I was told that I needed to get my SScard and Drivers license and send them over. I had to order a copy of my ss card, so I could not send the information just then. I called XX/XX/XXXX, after I was able to get the card. I was going to send the information over, but I was told that I just needed to change my middle initial. I received a letter a couple of days ago stating the issue was resolved. I asked the mortgage company to pull the information, it did n't work. I called for help from Equifax. I was told I needed to fax the information ( ss card and drivers license ) to XXXX. Today, I called to confirm that the information was received and I was told that I need to fax the information to XXXX. I have been hold for a bout nearly an hour now, waiting on a supervisor or someone that can help me. I just want to buy a home. Can someone help me?
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

There had been fraudulent debits occurring on my Chase checking account. Chase refunded money the first time and recommended I close the account. Upon going to close my account, Chase told me my new account was to be downgraded and now subject to a monthly fee and lower interest income so I opted against it. The fraudulent debit has returned under a different merchant name and Chase is putting liability on me. Not only can I not contest, but I also have to pay for a stop payment.
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was traveling for work last week and had unknowing overdrafted my account with Fifth Third Bank. I was n't informed about this and instead was charged {$37.00} per charge on my card, most of which were necessary work expenses, as I do not carry a credit card. At the end of the week they had charged me around {$700.00} in overdraft fees and completely took my most recent pay check, preventing me from paying medical bills, student loans and a credit card bill. I asked if they would be willing to negotiate and informed them of the devestating effects this will have but they declined. I feel wronged as I was not informed that 1 ) I had overdrafted, 2 ) They were charging me a fee per charge and 3 ) That my overdraft protection was, for reasons they were not able to explain, not working.
Consumer complaint received 2021-05-21
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)

Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX  XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Navient took over my private student loans from XXXX. Nether of which are willing to help me get a payment plan that is reasonable. They have only pushed the matter of given them XXXX dollars right away and they will stop the interest rate from going up. My interest rate is almost 7 percent now on my student loans and it goes up everyday. 

They have told me to sell my only car to pay them, they will not work with me and have hung up on me several times. I just want to pay a reasonable amount on my student loans. XXXX dollars a month for owing XXXX dollars is not reasonable especially when i have XXXX children and we are on a single income. They do not return my emails and do not call me, they have put me in forbearance and than removed me with no warning and immediate throw something on my credit without a phone call, email or letter by mail.
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (AZ)

This was to be a temporary credit through  XXXX . They told me I was fully approved to cover my loans for school. After I had started to go to class they pulled me out of class to tell me that I did n't get approved for part of for tuition I needed.  XXXX  told me they could give me a temporary credit where I could paythe school back directly. After I graduated I started receiving bills from  XXXX  and then I called them they told me I had a private loan. I have called them and asked them to provide me with a copy of this loan or contact to show me where I ever signed an acknowledgement of this loan but they told me they ca n't provide it because  XXXX  is in bankruptcy
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AL)

Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXXXXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers
Consumer complaint received 2020-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I ordered a product on https XXXX XXXX When I went to checkout, nothing happened. Then I received an email with instructions to send payment via paypal as a friend/family payment. When I did, I never received the digital download of the product. I did some research and found the actual copyright holder of the product and ordered through them. I requested a refund from XXXX, but received several vulgar and threatening replies from them. I asked the copyright holder if XXXX was a licensed distributor and they said they were not. I am now receiving death threats from XXXX. The most recent message is : XXXX XXXX XXXX XXXX ( 22 minutes ago ) to me you are a dog. 
Your whole family will XXXX  soon : ) ) I have the entire email thread saved. 

Also, I attempted to report this through paypal, but their customer service is impossible to access. I wasted an hour trying to send a message to paypal and got nowhere. Just pop ups stating I can not send them a message.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WA)

I used the website XXXX provided on the FTC website in hopes of receiving my annual credit report from XXXX, XXXX, and Equifax. I obtained my XXXX credit report with no issues on. I logged back into XXXX XXXX/XXXX/2016 and attempted to receive my free credit report after verifying my identity correctly from XXXX and Equifax. Equifax and XXXX responded that I had already requested the reports less than 12 months ago. I never initiated the process of retrieving the credit reports from XXXX or Equifax. My complaint is unlawfully not having my yearly free access/copy of my personal credit report according to the " Free Credit Reporting Act '' using XXXX. XXXX and Equifax are denying my right to access this based on the assumption that I have received the credit report which has no grounds.
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I am a non-traditional college graduate and I graduated XX/XX/XXXX. I began making payments to XXXX XXXX XX/XX/XXXX and refinanced to a graduated payment plan with Navient XX/XX/XXXX. In looking at my current statement from Navient, I owe {$60.00} more in principal than I did when I started making payments 2 1/2 years ago. 
This is a FIXED RATE LOAN. Yet, Navient did n't calculate a payment structure sufficient enough to cover the interest, so they add the shortfall to my principal. Blatantly stated, they are cheating their customers and continuing to profit by adding this onto the balance. 
HOW is this legal??
Consumer complaint received 2024-01-27
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. (MI)

I am a victim of identity theft and I sent certified letters to XXXX, XXXX XXXX and Experian asking to remove or block fraudulent and incorrect information from my credit report in accordance to ( FCRA ) 605 section B. Each Agency replied that they would not block said accounts because they were investigated and verified. The only way to verify said accounts is to do a through investigation requesting the original contract with my signature and corresponding signature from the creditor. There were no means of how the investigation was done nor any proof sent to me of the investigation as to how the information was verified. My rights are continued to be violated. I have sent a FTC and police report yet they are still not complying with the laws here under FTC 605 b.
Consumer complaint received 2022-02-14
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: DISCOVER BANK (VA)

I order face cream online costing {$5.00} and {$6.00}, XX/XX/2021. The companies XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX TX billed my Discover card $ XXXX {$61.00} decided to bill me again without my consent XX/XX/XXXX. Discover was alerted it was fraud and put in a dispute. Unfortunately they charged again in XXXX and Discover let it go through. I disputed it again. 
I paid off Discover which they told me was the final amount of {$2000.00} but then got a bill for {$3800.00}. They also sent a credit for {$72.00} so I thought I didn't owe any money. I got another bill so I called and paid it over the phone on XX/XX/XXXX for {$38.00} which again was supposed to pay off the bill in full. They charged me another late fee of XXXX but I did not get the bill because it came to my second home and I had been assured that it had been paid in full. 
I went to my second home and looked at my bill and they had charged another late fee on top of that one... all of these late fees are for not paying late fees... which is based upon them rejecting the dispute ... and charging and then charging multiple late fees. I have again paid them and they have assured me that I have a 0 balance ... and this point I don't trust that it has been paid. I would like to lodge a formal complaint