davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is reporting the mortgage as an individual account. The account is joint with my ex husband, I am not a veteran. He received the house in the divorce and is not making the payments. It appears that the house is only in my name and I am not a veteran, so there is no way I can get a VA loan. I have disputed this and XXXX XXXX XXXX will not listen. This is not on my ex credit at all. This has stopped from being able to get anything because no one believes anyone else is on the account. XXXX  XXXX XXXX is breaking reporting laws and I'm requesting this is deleted from my credit report. My ex has filed bankruptcy so my mortgage company says this other mortgage should not be reported at all. So they don't report the house I live in and pay the payments on time. So this one that shows only in my name not being paid on time looks doubly bad.
Consumer complaint received 2017-04-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Self Lender Inc (FL)

I signed up for a secured loan to help build my credit but they are not reporting my payment. They are taking my money but not showing I 've made my payments.  XXXX  and  XXXX  is still not posted.  XXXX  payment just posted a few weeks ago.
Consumer complaint received 2022-09-07
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)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2017-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Quick Debt Services LLC (OR)

I sent this company {$790.00} on XX/XX/XXXX. They promised to consolidate my student loans and after ten ( 10 ) years, I was told that I would have my loans forgiven altogether, as a teacher. I was quoted an initial monthly payment of {$170.00}, with insistence that this was the best program for me, participating in their financial-based loan-assistance program. Therefore, I had to lock in that rate and insisted up my credit card information. The next day XX/XX/XXXX, I tried calling to talk to my Enrollment Counselor, XXXX XXXX, to cancel, and could not contact him via e-mail or phone -- and it was that way for over a week. What I want is my money back. The main part of the contract is that they were supposed to submit my application. I was told Thursday XX/XX/XXXX that my application would not be submitted until XXXX ; but when I told them that I was going to work with XXXX directly and no longer wanted to work with their company, I was told they submitted my application that day. Their stories constantly change. For example, my payment went from {$170.00} to {$420.00} at one point. Yes, it 's income based -- but when one is unemployed and has no income, that appeared excessive. In addition, I have asked for a refund at least three different times -- there is no documentation of my ever asking for a refund on their end -- and I even talked to XXXX, the manager. When I talked to her this Thursday the XXXX, she told me that the Department of Education 's program was not as good as theirs and I was a fool to leave their company. Please help me get my refund.
Consumer complaint received 2022-09-07
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)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently contacted Transuion to dispute the reporting of inquiries on my cerdit report # XXXX I communucated that the following inquiries were fraudulent and filed a complaint with the FTC. A copy of the FTC report # XXXX the dates for these inquiries were incorrect and should be the dates below. 

XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 I have communicated with Transunion multiole times and still the items remain. 

The is a XXXX credit card associated with my company XXXX XXXX XXXX but its a XXXX card associated with XXXX not this inquiry. 

the additional inquiory with XXXX XXXX is fraudulent and I have never had an account associated with XXXX XXXX even with them solicting me for business multiple times.
Consumer complaint received 2017-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: D. SCOTT CARRUTHERS (CA)

I have defaulted with a private student loan a couple of years ago. Now a collection agency/ '' lawyer? '' has been contacting not only me but also my mother as well as my boss several times a day leaving extremely rude messages and trying to get personal information from my job. On top of this they have tacked on interest of {$8300.00} and a collection cost of $  XXXX  The school I attended was the  XXXX   XXXX  of California in  XXXX   XXXX
Consumer complaint received 2021-05-18
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: Experian Information Solutions Inc. (WA)

Experian 's web site for providing online credit reports on XXXX, as required by the FCRA/FACT Act, has been broken for me since XX/XX/2015. Yes, that's nearly six years. Experian continues to break the law by not providing me with my credit report online as required by law.
Consumer complaint received 2024-02-22
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: EQUIFAX, INC. (NY)

I have a card I had to put XXXX $ on I had the card for 2 or 3 yrs I git it to boost my score XXXX keep it low so my utilization will be low if I do use a high amount I pay it right away away or two every time my score starts rising and I meanXX/XX/XXXX a fraudulent charge of XXXX to XXXX dollars always appear either its a straight XXXX something dollars or little purchases to equal up to XXXX or XXXX dollars no more then my score automatically drops XXXX or more points and once the credit card company fixes the problem the credit agencies EQUIFAX, XXXX NEVER FIXES THEM BACK TO WHERE IT WAS BEFORE THE FRAUDULENT ACTIVITY STARTED this has happened constantly for the past 4yrs I have been trying to fix my credit this problem has kept me obtaining financial independence and this needs to be fixed and held accountable for hat they are doing and put things back the way it was so people can have the American dream and be rewarded for being financially responsible
Consumer complaint received 2017-10-15
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: Experian Information Solutions Inc. (CA)

I tried to obtain the annual credit report online using XXXX. I was given the reports by XXXX and XXXX, but was not given one by Experian. They recommended using phone number, calling the number given a PO Box to send request, which is not acceptable service.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SC)

I have been disputing the following items for over 6 months with no response or proper verification as to their completeness in recording, verification methods, and accurateness. 


XXXX XXXX Investigate if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

U S DEPT OF ED/XXXX XXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately. 

U S DEPT OF ED/XXXX XXXX Please take into account this collections opening date and last activity because it does not match my records. Please remove immediately. 

U S DEPT OF ED/XXXX XXXX Please investigate this collections status, I do n't think it 's accurate. Please remove this collection for it 's inaccuracies. 

U S DEPT OF ED/XXXX XXXX I am requesting an investigation on the account responsibility. Can you take a look at the account number and company name. I do n't think it 's XXXX accurate, so please DELETE this collection from my credit report. 

US DEPT VETS XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's XXXX accurate. Remove it from my credit report immediately please. 

USDOE/XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records.
Consumer complaint received 2022-08-10
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: Maximus Federal Services, Inc. (FL)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, DEPT OF ED/AIDVANTAGE has violated my rights. Regarding alleged accounts # XXXX, XXXX, and 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I would like to dispute two unauthorized charges I found on my credit card. 

It is unfortunate that I didn't find this charge until I am gathering information for my annual tax. 

The two charges are XX/XX/2018 XXXX XXXX  {$1500.00} XX/XX/2018 XXXX I didn't authorize for these two payments, so it is considered as fraud, but Chase bank refuses to process and dispute these two fraud payments for me. Please help me to look into this. 

thank you very much
Consumer complaint received 2017-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DE)

On XX/XX/2017 I applied for a personal loan with a few companies. One of the companies that I applied with was One Main Financial. Their advertising states that applying has no impact or bearing on your credit. After I applied for the loan and was approved, I opted not to move forward, however the next day they pulled my credit and it now reflects as a hard inquiry. It currently reflects on my CBR as ONEMAIN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

Debt verification letter sent XXXX. Response from debt collector, ERC, on XX/XX/28 and is just a bill. Nothing with my signature that verifies that this is my debt. Also the address listed on the bill is not my address nor have I lived in that home.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have full account but I put the numbers reporting on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2016-02-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

In 2006 I had A auto loan with wells fargo and the car got stolen and the insurance company paid the car off but wells fargo started reporting a balance to equifax and now 10 years later XXXX is still reporting this ( A BANKRUPTCY ONLY STAY ON YOUR REPORT FOR 7 YEARS ) but this show you how big banks control credit reporting agencies
Consumer complaint received 2017-04-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (TX)

borrowed {$450.00} fro m Northern Plains Funding llc I have made 16 payments of a total of {$130.00} and one of {$67.00} i understand the interest are high and that is why i wanted to  pay it off as soon as possible now they tell in order to pay it all off it is going to be a total of {$500.00}
Consumer complaint received 2022-08-10
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. (TN)

In accordance with The Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US 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 2023-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (IN)

I checked my credit report and there was a collection from a company called rent debt collections. For past due rent in the amount of XXXX. I called and asked where this was from they said from my old XXXX XXXX XXXX XXXX apartments. I was never notified of a debt until after it was on my credit report. My lease was up in XX/XX/2023 I reached out to the rental company several times about renewing my lease, and since I never got a response, I vacated the premises. I received an email in XXXX stating that my lease wasn't going to be renewed. I was being charged rent for an apartment I already vacated. Three was no rental office on the property anymore so there was no one to talk to the situation.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (AZ)

I only became aware of this debt by looking at my credit report. When I contactacte d the Thomas Agency they informed me the debt was from Delorme whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted Delorme the original creditor they informed me that the debt was a debt owed by a former employer of mine (   XXXX   XXXX   XXXX   ) and that my previous boss had put me as the person of conta ct for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.
Consumer complaint received 2022-08-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX XXXX am, I called Marcus by Goldman Sachs to close a CD account. I was told what the penalty would be and I agreed to close the account. I was told it would take between 1 to 3 business days. As of XX/XX/XXXX XXXX am, my CD account has not been closed. I have called Marcus by Goldman Sachs asking for an update on the following dates and times : XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX pm, XX/XX/XXXX XXXX am. Each time the representative told me that they have many requests at this time and they are working on my request to close the CD account. Marcus by Goldman Sachs is refusing to close my CD account and make these funds available to me. The Deposit Account Agreement, effective XX/XX/XXXX does not state any delay on closing a deposit account where the funds are being transferred into a different deposit account held at Marcus by Goldman Sachs. 

This institution has changed the rules for account closure. Marcus by Goldman Sachs is violating the Deposit Account Agreement. 

As of this time, I have no idea when the funds will be made available to me. I feel the bank does not have the funds available to give me. 

Please investigate this practice and determine the legality of their actions.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I opened a prepaid secured credit card with Citibank in XX/XX/XXXX. It was for {$200.00}. After a year they upgraded my account and said they would send me a {$200.00} check. I never got the check. I called them several times and spoke to customer service representatives from XXXX who told me some of the most bizarre stories to explain why I haven't received my check. Well, after a few days of haggling their threads of nonsense, I was informed that the check would be issued 18 months after the account opened. ( Even though the account had been upgraded to unsecured. ) Okay. That's what the original agreement entailed so I was fine with that. Guess what? This is now month 18 and still no check. Today, the reps from XXXX said that my {$200.00} is now part of my credit line and that I would not be receiving my money since I have been specially selected for a non-payment promotional! UNBELIEVABLE!! The conversation was recorded today, XX/XX/XXXX, XXXX my time. This lft me with no choice but to close the account. I've wasted countless hours with their inept customer service and now I just want my money back minus the amount I have in the balance.
Consumer complaint received 2022-09-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: On Q Financial (NV)

Hello, as you all know the process of buying a property can be difficult. 
There are many forms to be signed, and information can seem a lot at times. 

At my signing I noticed there would be any extra mortgage payment that I would have to make. No sure I asked to notary, and she indicated it was a second mortgage. Further along I called the lender and left a message in this regard. 
The notary came back into the office with copies, and told me the under writer stated the second mortgage was for down payment assistant. I had to show through bank records that I had down payment monies. 
I was also told that there were down payment programs that would assist me as well, if needed. 

I was never told there was 2 mortgages that I would have to pay, that was never explained to at any time. 
Yes I did sign paperwork, at that time I was the end of the transaction, and I felt I had no choice or option to do anything else but sign. 
This second mortgage should have been clearly explained to me. 
Instead of now I'm stuck with an entire second mortgage, and I can refinance my first mortgage, until this second is paid in full.