davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX I purchased a bedroom set from Macy 's on a promotion of 24 months interest free financing. I calculated that I would have to pay about $ XXXX/month to pay this off in the 2 years so I would not have to pay interest. When I started making payments I was told I had to call them to make each payment so that the payment could be split properly and I could tell them to apply a certain amount towards the furniture and a certain amount towards my regular balance. When I was in the store during the XXXX holidays I made payments ( {$1500.00} total payments ) towards my account as I wanted to make payments for my purchases as I went. Somehow these payments were applied towards my furniture so it was almost all paid off even after I was told this was not possible to happen. When I was reviewing my statements in XX/XX/XXXX I noticed that these payments were applied to the furniture. I made many calls to the credit card and nothing worked as I was told it would take 2-3 months to fix. After much frustration with the credit card department I even tried to call the local store and the corporate office and was told yes it would take 2-3 months to be corrected. I waited a little longer then the 2-3 months to call back as many people were working remote with Covid-19. In XX/XX/XXXX I finally called Macy 's credit  again and was on hold until I got a supervisor XXXX who fixed the balance within days and NOT 2-3 months. Now I called the credit department on XX/XX/XXXX to make my monthly payment to have it split towards furniture and regular purchases. {$400.00} split {$200.00} towards furniture & {$200.00} towards regular purchases confirmation # XXXX. While I was on hold to get someone to make this payment with there was a message stating they would start charging {$5.00} beginning in XXXX to make a payment with a live person so while I was on the phone to make the payment I also told the employee to communicate to his supervisors that the {$5.00} charge would not be acceptable. I would gladly make the payment online or in the store but was told that's not possible. I am a former Macy 's employee and know that years ago from a cash register we used to be able to accept payments and split them between customer 's accounts. So now customers have to call to split payments and when they call they are going to be charged for talking to a live person? So even though I spoke to someone and have a confirmation number my payment was not split as requested and it all was applied to my regular balance. At this point they will profit as my furniture is never going to be paid off by the 24 months. I'm exasperated as I called on XX/XX/XXXX to speak to a supervisor. I was on hold for about 20 minutes and was told they would have a supervisor call me back. Here I am a week and a half later and nobody has called me back.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion is reporting a credit card account with XXXX as collections/charge off, see attached report. This is not so, XXXX XXXX was given this account for collections but stop collection attempts, see attached letter. this account should be reported like the 2 other reporting agency 's closed/charge off instead of collection/charge off. I have disputed this with Transunion with no success. I have suffered a financial loss because of this reporting. Please correct
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit Systems is reporting a debt on XXXX only. I have called to verify this debt and they can not find any account assigned to me when I provide my personal information including my social security number. I disputed the collection with XXXX and it came back only to update the amount owed by {$1.00} I spoke with an agent at said credit bureau who confirmed the collection agency contact information. 

Again, I called the collection agency, who still denies having any information about me or an account. I have never received a written notification about this. XXXX says they cant remove it and National Credit Systems says the same due to no record existing. 

This must be removed from my XXXX credit report by SOMEONE!
Consumer complaint received 2022-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

I received a copy of my consumer report and found a collection/chargeoff account that I didn't recognize and reported only by XXXX. I was distressed and it affect my mental and physical health. I want to take legal action about this.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (LA)

I have been patiently waiting for a response from the bureaus and have not been notified. 
I am asking them to simply to Validate the accounts that are reporting on my credit report. They have sent a copy of my credit report but it does not address the items that I am asking to be investigated/ updated and removed. Please investigate the accounts I have included on my letters that needs to be validated.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 I went to Chase Bank to open my XXXX  bank account and met with banker, XXXX XXXX at Chase location : XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX XXXX asked for XXXX forms of ID 's which I was able to provide my Social Security Card and my Identification Card. 

However, when XXXX input my SSN into the system another name came up that had a bank account already with my number. I was told I was unable to open a bank account because of this. I asked for information on this person, how long the account had been opened and if we could close the account, since I had proof that the SSN belonged to me but I was unsuccessful. I was told to make a report with the police, identity theft and with Consumer Finance.

These are the steps that I'm currently taking.

I'm shocked that someone could open a bank account with my SSN when they need XXXX forms of ID. I'm even more shocked that I had proof of my identity and I couldn't close this persons account.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (TX)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2019-03-15
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: EQUIFAX, INC. (FL)

XXXX, XXXX A XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-05-30
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. ()

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 XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 


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 2024-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

A few years ago, Sallie Mae ( now Navient ) mishandled the consolidation of my student loans and therefore, as a result, the government revoked the " insured '' status of 1 of my loans -- in particular, a FFELP loan ( for approx. {$1800.00} ). 

All the rest of my student loans are held by XXXX and are in PSLF. 
But because of Navient 's fault, XXXX informs me that the Navient FFEL does not qualify for consolidation, because Navient lost its " insured '' status for this loan. 



Now I am contacting you, the CFPB, to ask if you could intervene for people like me who are being victimized by Navient. Through no fault of the borrower ( me ), Navient 's mishandling of my loan led to the loss of its " insured '' status, and depriving me of using PSLF. 



How many tens of thousands of other Navient loan holders are being similarly victimized, deprived of the ability to use PSLF because of Navient 's negligence and fraud, leading to the revocation of the " insured '' status of our loans? 



Please help us all by making all of these Navient " uninsured '' loans now qualify for inclusion in consolidations with XXXX and placed into the PSLF program. 



Many thanks!
Consumer complaint received 2023-04-03
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. (MD)

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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX & Account # XXXX XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXXXXXX XXXX  XXXX XXXX Account XXXX XXXX Account Name : XXXX & Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX5 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 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 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 causse to believe that the information is in accurate.
Consumer complaint received 2022-01-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX AES/SUNTRUST XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-03
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. (FL)

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

Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX, Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # 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 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 2019-03-15
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. (NV)

I recently requested a monitoring service and noticed several accounts I did not open. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX Bank, 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. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.
Consumer complaint received 2023-04-03
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. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

CHILD SUPP Account # : XXXX, XXXX XXXX Account # : XXXX, CHILD SPRT Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion should not be reporting that I am ( 120 ) days late on the XXXX  XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it would be impossible to be late on an account that has no balance due. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2020-06-02
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. (CO)

CFPB investigations of the wrong account. I will like XXXX award account not a student loan that was included in the bankruptcy in XXXX the account was open in XX/XX/XXXX XXXX
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (PA)

On XX/XX/XXXX, Enhanced Recovery Company ( ERC XXXX sent a letter attempting to collect on a debt of {$120.00} on behalf of XXXX XXXX XXXX XXXX. I responded with a certified letter by mail consisting of the following : " XXXX : XXXX XXXX XXXX, XXXX. Account : **** I was notified by your company on XX/XX/XXXX regarding an alleged debt. I have reason to believe that this debt is an error on the part of the original creditor as I returned all equipment and closed my account with no notice of outstanding balances in XXXX of XXXX. Since that time, I have not been informed of any outstanding debts by any individual until receipt of this letter from ERC. 
I request that the following information be provided to me by mail : 1. Proof of my agreement to pay the original creditor ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, including a copy of the original account statement issued by the original creditor showing a breakdown of total amount due ; 4. Documentation showing you are licensed to collect debts in Pennsylvania. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. Aside from the above requested documentation for purposes of verifying the debt, do not contact me about this debt. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. '' This letter was received by ERC and they then sent a repeat of their initial letter with only the amount, and none of the other items mandated by the FDCPA. Since that time I heard nothing from the company until XX/XX/XXXX when they contacted my father. They contacted a third party without my consent, or by following the proper channels. Since then they have contacted my father 14 times, approximately once per day. 

So to be clear, I am reporting ERC for : contacting a third party without consent, contacting after receiving a request in writing to cease contact, and collecting a debt that is not due.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (PA)

I checked my credit report and a new delinquency showed up from XXXX in the last few months. NO DATA existed before regarding payments for this account. The account was opened in XXXX when I was XXXX XXXX XXXX. I contacted XXXX and they referred me to their collection agency but would give me no information aside from claiming it was legitimate and " out of their hands ''. I contacted the collection agency and they said since it was a small debt I should just pay it and wait for it to fall off my report which I refuse to do because it is not my account and I was XXXX XXXX XXXX when it was opened so I couldn't legally do it anyway. I disputed with Experian ( it does not show up on any other credit bureaus monitoring ) and they claimed it was 100 % legitimate. I uploaded my license, birth certificate and passport and asked them to provide a contract showing I signed for this account which they said is not required by XXXX to submit negative information. I want this fraudulent account ( that appeared out of nowhere ) off my report.
Consumer complaint received 2020-01-24
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. (MN)

In 2016 I was living in Tennessee and XXXX XXXX sent me a credit card. Now that is showing on my credit report as a write off due to the fact that I can not pay it back. How can these companies take advantage of Senior Citizens who are on Social Security and getting less that {$800.00} per month? That is dishonest to loop seniors into credit the company KNOWS the person will default! It's deceitful to play on Seniors like that and put it on a credit report that prevents us from getting HUD and Section 8 rentals because they all look at your credit report! I want them to remove all their stuff from the credit card people to give me an even break