davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX, 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 that consumer reporting reporting agency can not furnish a account without mu 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 2021-01-07
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: Premium Credit Bureau (FL)

on XXXX XXXX premium credit bureau received my consumer fair protection bureau complaint, where I stated the facts that this company : premium credit bureau ran an unauthorized and unverified hard inquiry on my consumer file with out my consent nor authorization. in my complaint I've asked this company : premium credit bureau to remove/DELETED this hard inquiry from off my consumer file and have it reported to the 2 credit bureau XXXX XXXX XXXX & XXXX  XXXX XXXX agencies that are still reporting this. Under the constitution 15 section 1681 ( I ) in connection with a business transaction that is initiated by the consumer, in terms I DID NOT HAVE NO BUISNESS WITH THIS COMANY and to add on the response from this company : premium credit bureau response on XXXX XXXX is very disrespectful too give 60-90 days too have this removed when its obviously showing that that's its not verified this hard inquiry is causing a " defamation of my character " and I will be taking legal actions against this company.
Consumer complaint received 2021-01-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

I've already spoken with several superiors in the company, and while they may be returning much of the money lost I believe that this company is overall as sketchy as they come. Loan Depot, specifically the branch located in XXXX, FL, was the lender my husband and I went with for trying to find a mortgage for our first home. We initially were working with XXXX XXXX, but he soon provided us with a new loan associate in XXXX XXXX. My husband and I were both at what are referred to as seasonal jobs in the area, but were working on to moving into stable income. XXXX promised this wouldn't be an issue. I told XXXX my student loans for next semester needed to be processed by a certain date and she promised we would be closed in time for them to process after closing, and we didn't and now I may not be able to finish my XXXX XXXX XXXX until the fall. XXXX had specifically told us not to open ANY lines if credit so when my husband and I ( who both lack insurance ) both got injured, I broke my foot and he dislocated his knee, we refused to go to the hospital in return causing further injuries in the name of being able to get this house. Finally, after multiple extensions, our final walk through, numerous injuries, and several last minute tasks closing day was upon us. We were denied after the empty promises of XXXX and everyone we inevitably worked with due to the amount of vacations everyone kept going on. We have sustained physical, emotional, and financial damage all because we put our trust into an accredited lendor, only to find out when reaching out to the Vice President of the company that they weren't even accepting applications for people in the service industry due to COVID-19. They were full of promises they couldn't back, and no one should have to experience the pain and deceit that my husband and I have gone through with the company. They have offered to return money lost on the house, but I will still lose out on this semester and graduation and my husband and I have both harmed ourselves further by not receiving treatment for injuries out of the advice given to us by our loan consultant. Absolutely ridiculous.
Consumer complaint received 2021-01-07
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: ALLY FINANCIAL INC. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, ALLY FINANCIAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-02-01
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: Tate and Kirlin Assoc (GA)

About 30 days ago I submitted a dispute to XXXX regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. XXXX confirmed the debt, without validation as this is NOT my debt, I have never had business with Tate and Kirlin Associates. The debt that was deleted was XXXX XXXX XXXX. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like Tate and Kirlin purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company  claimed to own ( XXXX XXXX XXXX ) two years ago, XXXX validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Ive contacted all 3 credit bureaus ( XX/XX/XXXX, XXXX, Equifax ) roughly 3 weeks ago in writing. I have not received a response. My identity has been compromised. Compromised so much that I cant even get reports online from certain sites like XX/XX/XXXX. Im being asked security questions that has nothing to do with me or my credit, so when I select the answer thats best, its considered wrong. This is not right. I cant get anything done, and the last thing I need is for my situation to be minimized. To my knowledge you guys can help me with my situation. I need your assistance with getting a response to my situation. 

My wish for resolution would be these items being removed from my credit reports that does NOT belong to me, Im also requesting fresh credit report with corrections for my records. Thanks. 

THE FOLLOWING ACCOUNTS SHOULD BE REMOVED : 1. XXXX XXXX XX/XX/XXXX Balance {$2500.00} 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$430.00} 3. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} 4. XXXX XXXX  Opened XX/XX/XXXX Balance {$880.00} 5. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance {$420.00}
Consumer complaint received 2022-10-13
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. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC (TX)

In XX/XX/XXXX I began getting calls from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, GA XXXX  ph XXXX E-mail : XXXX Website : XXXX ) and they were trying to collect a debt from a XXXX XXXX and Mrs. XXXX. I complained to them that ph # XXXX  belonged to me and has been my number since XX/XX/XXXX. After filing a lawsuit on XXXX XXXX XXXX through XXXX XXXX XXXX , XXXX, they agreed to stop calling me. But in turn XXXX XXXX XXXX sold my personal information to D2 Managent ( XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX ) who has been calling me to collect a debt.
Consumer complaint received 2022-10-13
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. (AZ)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureau must delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX Balance Owed : {$4400.00}
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

XXXX  has been contacted on three different occasions due to fraudulent information on our credit report. XXXX financed a car for my husband and me. Last year (XX/XX/2018 ) in XXXX the car was in a hail storm and totaled. XXXX paid their portion on the car and we had gap insurance, which covered the rest. The company put a balance owed of over {$2000.00} dollars on the credit reports for my husband ( XXXX XXXX ) and me ( XXXX XXXX ). We contacted the company asking for written proof of the amount owed on XX/XX/2018,XX/XX/2018and finally on XX/XX/2018. They have not only failed to send the appropriate proof of their fraudulent actions, they have caused our credit scores to plummet tremendously, negating our chances to purchase a new home. We are outraged at their lack of customer concern on this matter. Please help us! 
Sincerely Yours, XXXX XXXX
Consumer complaint received 2021-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

On XX/XX/2020 I mailed a letter requesting an investigation about inaccurate accounts showing on my credit file. It has been 2 months and I still haven't received results of an investigation.
Consumer complaint received 2022-10-13
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. (NJ)

XXXX I wish to complain about XXXX, Equifax and XXXX in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit. 

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( XXXX, Equifax and XXXX ) to report anything on my credit without my consent
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I have two types of loans : federal direct subsidized and federal direct un-subsidized. I have worked as a XXXX  for a PSLF-qualifying employer since XX/XX/XXXX. I submitted by PSLF employment certification form in XX/XX/XXXX, and my loans were transferred thereafter to XXXX. Since the transfer I have had nothing but horrendous problems with XXXX. 
In XX/XX/XXXX I received my PSLF certification from XXXX and it stated that I had made 18 qualifying payments since starting my work in XX/XX/XXXX ( accurate ), but those payments were only being applied to my subsidized loan and not my un-subsidized loan ( which is considerably larger ), even though I had been making monthly payments which were applied to both of those loans. I followed up with XXXX and was told that they would submit my loans for review, and that the review should take approximately 60 days. 
XX/XX/XXXX, I called XXXX about a different issue, and as part of that conversation I was told that the qualifying payments should be updated but that it is still under review. 
On XX/XX/XXXX, I called XXXX again and was told that someone is working on the qualifying payments issue. 
By XX/XX/XXXX I was preparing to submit my re-certification and I still had not heard anything about my qualifying payments. I prepared my certification form and submitted. On XX/XX/XXXX I called XXXX again and was told that the review of my loans and the qualifying payments would be expedited. 
On XX/XX/XXXX I received my bill for my upcoming XX/XX/XXXX payment, and the bill lists the number of qualifying payments I have made to PSLF : it lists 25 payments towards the subsidized loan ( accurate ) and only 5 payments to the un-subsidized loans. I immediately called XXXX and spoke with two people before finally getting the supervisor. She said that there was no way to expedite further when it had already been expedited and that I just have to wait. 

Both loans are federal direct loans. Both loans are qualifying loans. My government position is a qualifying position. I have been on a qualifying repayment plan since I started work at my government position. I have been making complete, on-time payments since my loans were disbursed following law school. I am furious at the complete and utter incompetence I have experienced with XXXX and, frankly, wish my loans could be monitored by my prior servicer ( XXXX ) because I always had good experiences with them. 

I am applying for a mortgage and I want to be able to show my mortgage broker the PSLF payment certification and there is nothing MyFedLoan will do for me.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo closed card down as of XX/XX/2018 reporting that the balance was over the amount as of XXXX and a payment of XXXX was needed to bring account current. Paid a payment on XX/XX/2018 online payment was returned by company stating that the account number was closed. So since the payment was not able to bring account current. Company closed. Add down on XX/XX/2018. Called in on XX/XX/2018 to have a supervisor look into the issue. Made the payment again of XXXX drafted from my bank statement. Was advised that someone would reach out on the matter. Spoke to an Escalfion rep by the name of XXXX XX/XX/2018 stating that the account could not be reopened since I had a secured card. Rep stated within 45 days of the close out date of. XX/XX/XXXX collateral of XXXX would be applied. However without my consent nor knowledge my card was reopened in XX/XX/XXXX I incurred late fees interest and other fees. I was not aware of this happening and the company has not taken knowledge of this. They have reported on my credit high balances and also two close out for one credit card. Make it hard for any company to want to do business because of there error. They also sent in a fake letter trying to say they advised of the closing but the typing was off they tried to correct a mistake but lied in the process correcting a fraudulent letter.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (KY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written a uthorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

This is my several endeavors to tell CREDIT BUREAU that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAU is required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. 
XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2021-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

I was contacted around XX/XX/2021 by a Capio Partners representative who said they were trying collect on a medical bill in the amount of {$300.00}. I asked whose name it was in and the lady said my name, which was a lie, but I have used this hospital before. So, I actually thought it was mine and she gave me the Acct number and address for me to send the payment too. I sent one payment of {$28.00} as I was mislead. 

I got the document from them on XX/XX/2021 and when I looked at the bill, the bill is for someone named XXXX XXXX, which I think was a friend of my ex-wife 's. Also they did not even spell my name correctly the addressed it to XXXX XXXX not XXXX XXXX. If the bill had actually been mine, I know the hospital has the correct spelling of my last name, but again this debt collector just told a blatant lie that they bill was mine and they could plainly see it wasnt.
Consumer complaint received 2021-11-09
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. (LA)

Equifax Credit Bureau, I submitted a dispute because there is a collection account on my credit file - XXXX XXXX XXXX account number XXXX does not belong to me and the response I received was that it was verified although I told them in the dispute report that this account does not belong to me.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank has lowered the credit to all my accounts for no reason. I recently paid off several other accounts, so Im not understanding why they consider me high risk or too many high balances when they are the ones making it higher, when I owe less than half of the amount. Care credit card, XXXX XXXX card. Car care card all within the last few months. I have NEVER been late on any payments with any of these accounts. It is unfair how people work and pay their bills ONTIME and some actually lump sums. I understand that were still in a pandemic but this is unfair practices and treatment of a long time customer.
Consumer complaint received 2021-08-22
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: EQUIFAX, INC. (KY)

I have contacted Equifax numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for are all fraud. I have not received any merchandise or applied for XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information
Consumer complaint received 2022-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I called in XX/XX/2022, to let them know that I was struggling making the month of XXXX and the month of XXXX payment. I was advised there as nothing they could do because of my debt/income ratio pass too high. My account was still on autopay therefore on XXXX {$230.00} was taken out my account. I called on XXXX to ask them to take my account off auto pay because they took part of my rent money. XX/XX/2022 required payment is {$400.00} + dollars. I expressed to them that I could not afford that payment, nor the {$230.00}. I have rent, daycare and all my other expenses to take care of. They said all they can do is push back the delinquency if I paid them {$400.00} dollars. 
I can not afford it and they call me everyday 4x a day. I feel like naivent was very helpful when the class action suit was happening but now it is back to theres nothing I can do, you have to pay
Consumer complaint received 2022-10-13
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. (FL)

I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX