davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I became a XXXX customer in XXXX. My auto insurance policy was set to expire on XX/XX/XXXX. On XXXX, I contacted insurance agent XXXX XXXX to request an updated quote so that I could ( i ) modify certain coverage limits and ( ii ) compare the quote to competitors. She sent the updated quote and I declined/cancelled on that same day. On XXXX, I received an auto-pay email notice for my cancelled policy. I then turned off the auto-pay feature in my account and received online confirmation that the feature was inactive. I also notified XXXX XXXX via email and requested further assurance that I would not be charged for an auto policy that I had cancelled. I received no response. On XXXX, XXXX emailed me an auto insurance declaration despite my cancellation. I called her to have this issue resolved, but received no response. On XX/XX/XXXX, my credit card was charged {$910.00} for the cancelled policy. I emailed XXXX XXXX to get assistance with this erroneous charge and again, received no response. 

On XX/XX/XXXX, I filed a XXXX  complaint outlining the above issue. XXXX XXXX XXXX XXXX responded to the XXXX  complaint by acknowledging that I had cancelled my policy effective XX/XX/XXXX and providing a Policy Release, which was executed XX/XX/XXXX. Despite XXXX 's acknowledgment and signed release, it recently sent my information to a collection agency, Transworld Systems Inc., in an attempt to collect funds for the very same policy that it acknowledged had been timely cancelled. 

I have attached the signed Policy Release, my XXXX  complaint, and the collection letter I received concerning the alleged debt for a cancelled policy. 

I have been attempting to rectify this issue with XXXX for several months, but to no avail.
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (VA)

In XXXX 2016 I started to become ill back-to-back. I began missing work. My XXXX missed an XXXX I found out I would need XXXX which would be expensive even with my insurance. I called XXXX XXXX and XXXX to see what my options were as I would not be able to afford both at the same time. My loan payments almost XXXX XXXX or more with navient. I explain to them the situation and was on the phone for an hour being bounced around departments because nobody could help me because my loans were not currently late. no they 're not late I 'm trying to avoid them being late and ruining my credit. Finally I in tears spoke to a woman named XXXX on a crisis team who told me she could not help me because they were n't late but she said that I should just take 3 months to save my money not answer the phone when they called and as long as I did n't go over the three months my credit would not be harmed. This was false. I have a ton of late charges and it has been reported to the credit agency. My main complaint is that navient would not work with me until my loans were late and they still are not offering any help. I am a single person there is only XXXX income and I have been ill. My loans have stayed up to date until this issue and navient was unwilling to work with me. They literally word for word told me that they could not help me because I was not late yet when I asked about getting lower payments or anything like that they said they could not look at that until I was late when I explain my hardship about my tooth and my illness they said they could not offer me any help my loans were still due at the full amount
Consumer complaint received 2022-03-16
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)

Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

JPMCB CARD SERVICE : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JPMCB AUTO FINANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (UT)

I pay off my balance after every use. This last payment made on XX/XX/22 has completely cleared my bank and citi bank ( best buy ) emailed me confirming the payment has been applied. My available credit is in the negative because the payment is still not posted in away that releases the available credit. I called twice and the reps have informed me they do this because " citi bank knows all of the tricks in the book and they hold the funds for at least 9 days because people somehow get their banks to return funds '' This is a deceptive practice, as the email I received confirms they have received my payment, the automated line informs it can take 3-5 days to show as such ( well past that now ). They have no statement in our agreement made to acquire the line of credit showing they have the right to retain my funds for so long without allowing me to use the agreed amount of credit. I am remodeling my home and wish to use the promotions of percentages back for certain purchases within the time-frame provided by email, I am not able to do that due to inaccurately not allowing me to use the card. If this was a real and official rule, why have they only done it for this transaction? I have made much larger payments in the recent months with no issues. I am being treated as though they are assuming I have ill intent, where I have shown none. On the latest call, the rep said she was with a supervisor and would have it fixed in 10 minutes ( whatever that involved I do not know ). I then asked to speak to that supervisor and was transferred to another one with no knowledge of my situation at all. Her name was XXXX.
Consumer complaint received 2022-03-16
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-03-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Jefferson Capital. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Jefferson Capital in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

During the Coronavirus Pandemic, I requested a forbearance plan in order to allow for tenants that were not paying rent. This plan allowed us to retain tenants in our rental homes when they were unable to make rent payments. At the time of the Forbearance Plan request the mortgage was in good standing/paid on time. 

30 days before the end of the forbearance ( XX/XX/XXXX ), I requested a post forbearance solution ( flex modification ) from XXXX XXXX via telephone. The agent submitted the request and advised me to call back in 2 weeks ( XX/XX/XXXX ). I called back on or around XX/XX/XXXX. I asked whether I could make a payment as the ending of forbearance would be XX/XX/XXXX and the agent advised I could only pay back the full amount of forbearance ( {$11000.00} ). I explained I had requested a Flex Modification for the post forbearance solution. The agent said to call back in 2 weeks as there was no response yet to the post forbearance solution request. 

I called XXXX back at a minimum every 2 weeks from XX/XX/XXXX until the post forbearance solution was approved on or around XX/XX/XXXX. Each call I asked to make a payment while awaiting the Flex Modification approval in order to protect my credit. I was told by the XXXX agent on each occasion that XXXX could not take any payment except for the full forbearance amount ( {$11000.00} ) and was advised to not make any payment until the Flex Modification was approved. Each time I called the XXXX agent advised me that the XXXX system was not able to receive any payments except the entire Forbearance sum until the Flex Modification was approved. 

The Flex Modification was approved by XXXX Loss Mitigation in the first two weeks of XX/XX/XXXX. Beginning XX/XX/XXXX, the first of three post forbearance Trial Payments were made on time in accordance with the solution agreement ( all 3 trial payments were on time ). 

Even though the mortgage was in good standing and paid on time prior to forbearance in XXXX and all requirements were followed under the CARES Act regarding mortgages in good standing post forbearance : XXXX reported to the credit bureaus Payment History PPA : Partial Payment Arrangement. This Payment History Rating/Remark effectively dropped my Credit Score from XXXX to XXXX in XXXX of XXXX. I urgently request that the PAYMENT HISTORY Rating/Remark of PPA : Partial Payment Arrangement is updated to to " OK '' as the current remark is not warranted or applicable based on the guidelines of the Pandemic Forbearance for a XXXX mortgage.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Agency Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A states have a right to privacy.

15 U.S.C. 1681 Section2 It also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2022-03-16
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. (NC)

I have reached out to the credit bureaus over 30 days ago and am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

They refuse to let me make a payment over the phone without a cost. They refuse to give me a lower rate due to my finances because I have a co signer whom refuses to speak with them. Two years ago I sent them papers to change my name and it 's still my married name from 10 years ago.
Consumer complaint received 2022-03-16
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. (FL)

new and updated information. Company has not responded to my letter that was received XX/XX/2022 Company has violated my rights by not completing investigation within 30 days and by furnishing my personal information to companies without my consent.
Consumer complaint received 2022-11-23
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. (CA)

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. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and equiofax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifa are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX OF XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Consumer complaint received 2022-03-16
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. (GA)

Equifax is reporting an inaccurate account on my credit. Equifax is reporting a hard inquiry from XXXX XXXX I have never done any business with this company, I have never signed any contract or received any services or products from this company. Equifax is inaccurately reporting this account on my credit report and it is causing me undue financial hardship.
Consumer complaint received 2022-07-20
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. (GA)

My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (IL)

I have a bill on my credit report that has been shared in collections with a third party agency. I know for a fact this bill is well over seven years old and the amount is way over the actual bill can you please help me.
Consumer complaint received 2022-11-23
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Credit Collection ( XXXX XXXX XXXX ) - Account Number : XXXX XXXX- Account Number XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXXt- Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX-Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2018-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (WA)

Citigroup is engaged in action to restrict the 2nd Amendment rights of U.S. citizens, by using its considerable influence and enormous market share to affect the ability of arms manufacturers and retailers to obtain loans and do business with them unless agreeing to meet these terms of restrictions including but not limited to : ( 1 ) selling firearms to citizens under the age of XXXX and ( 2 ) manufacturing certain types of legal firearms and accessories. This restriction on doing business with clients and consumers that are otherwised engaged in lawful activity, by one of the largest banks in the U.S. ( and in collusion with other large bank ( s ) ) should be worrisome to all U.S. citizens. If this ability of major influential corporations to collude in enforcing their own political views on the citizenry ( and in opposition to laws generated through the democratic process ) is allowed to go unchecked, especially in opposition to one of our most important constitutional amendments, large banks may see a pathway to enforce other political policies on the public, without representation. Consumers should research this issue, including investigating the largest shareholders of Citigroup, and their ties to foreign governments, as well as Citigroup 's ties to well-known billionaire gun control financiers, and then make their own decisions about whether to do business with Citigroup and its consumer banking division Citibank.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

I realized this debt on my credit report. I am not liable for this debt, I never had a account with XXXX, nor do I have a contract with I.C. System. This company has not provided me a signed copy of the application as I requested to validate the account. This account is a result of identity theft and reported to FTC. It is a violation of FCRA to report inaccurate and unverifiable information.
Consumer complaint received 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

I check my Experian credit reported, I notice Virtuoso SourcingGroup post on my credit file. The debt collection laws clearly been violated. The law is clear Debt collections suppose give me chance to validate debt { 30 days }, Virtuoso did n't do that, and this debt was Identity theft file with XXXX. This practice is unethical also illegal
Consumer complaint received 2015-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (FL)

From XXXX all times of day into evening, going on for months, did not leave messages till this week. Said they are national enterprise a debt collector. You must call back etc. We do not owe anyone. 
Please advise
Consumer complaint received 2015-05-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

Enclosed is all the information that is attatched. I have called my loan several times in reference to lowering my payment to have a better quality of life and be able to live and not have to live with out any means of anything else. I am not able to move forward in life or even move on my own I have to rely on other people for a place to live in order to keep up with my student loans. I have tried to get scholarships to help me with my student loans and nothing. 
I do not know how you can help me but I would greatly appreciate it if you could. The student loans company resolution is to go back to school to hold off on payment for mt student loans, which doesnt help considering all it does it add to my student loans.
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

Deposited a cashiers check to Wells Fargo from XXXX on XX/XX/2016 Received email on XX/XX/2016 staring the funds were going to be held until XX/XX/2016. Called Wells Fargo and they stated that the person that account held had returned checks..impossible as A ) Its written on the XXXX Account..NOT my husbands account. B My husband does n't have checks..the whole reason that required us getting a cashiers check.