davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Big Picture Loans, LLC (OH)

Big Picture Loans sent me a letter dated XX/XX/2018 stating that they have tried to contact me numerous times about the delinquent status of my account. I have never done business with them. The letter states I owe {$1000.00} principal on a loan plus {$1100.00} in interest. 

The representative at Big Picture Loans only told me that an inquiry was placed in XXXX of 2018. He then asked me for my social security number and my personal bank account and routing numbers - I did not provide any of these and ended my call with the representative as this entire thing feels like a scam. 

I immediately checked my 3 credit reports and see a number of hard inquiries on XX/XX/XXXX from various companies - I will be submitting separate false credit reporting requests for each of these also.
Consumer complaint received 2022-08-23
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. (IL)

On XX/XX/2022. I received a copy of my credit report and Found Several XXXX accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked EXPERIAN, XXXX, AND XXXX to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an Experian XXXX to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on purpose.
Consumer complaint received 2022-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I submitted a FTC dispute letter and proof of identity to XXXX Equifax and XXXX on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX  XXXX  {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} XXXX DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for XXXX and XXXX and via fax for Equifax
Consumer complaint received 2018-08-15
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: CITIBANK, N.A. (OH)

I saw fraudulent charges on my Citi credit card statement and immediately called Citi to tell them about the fraudulent charges. There were two charges that were made on my account to XXXX on two consecutive days. The first charge was made on XX/XX/2018 for the amount of XXXX. The second charge, was made on XX/XX/2018 in the amount of {$110.00}. I have NEVER ordered anything from XXXX and when i called Citi i was transferred to a customer service department in XXXX and no one could understand what I was trying to tell them. I had to make them cancel my card because I told them someone had made fraudulent charges on my card. 

I got a letter from Citi saying they would investigate. They investigated and said the charges from XXXX was valid because the merchant said they were delivered in XXXX Florida!!!! I do not live in XXXX Florida and the merchant said the items were received by someone named XXXX XXXXXXXX!!! Last i checked i do not know anyone by that name! nor do I know anyone in XXXX! So, Citi card is trying to make me pay for the charges that I did not authorize, and I am highly upset because I shouldn't have to pay for fraudulent charges! I have been a Citi customer for 23 years and I have never had a problem like this before. I know what I charge to my card! If i had made those charges I would not have called and reported it as FRAUD! Please help!!!

Citi did not do a very good investigation. There were a lot of red flags that all point to fraud, and they have sided with the merchant because the good were delivered. So what if they were delivered! They are fraudulent! There was also an email on the merchant statement from the person who stole my credit card number and it says : XXXX This is not my email address! and with an email with that name, seems like something only criminal would create! 

So someone stole my number, ordered from XXXX, had the items shipped to XXXX Florida and signed for it by the name of XXXX XXXX! Also, they ordered a pair of tennis shoes and SEVEN pairs of some slides! i should not have to pay for these charges!
Consumer complaint received 2022-07-31
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: CCS Financial Services, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-31
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # 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 a account without my written instructions.
Consumer complaint received 2022-07-31
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, Account # 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 a account without my written instructions.
Consumer complaint received 2022-05-13
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. (MD)

When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well.

I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (DE)

The collection agency ( Penn Credit Corporation ) is trying to collect an old debt from XXXX The account was closed in XX/XX/XXXX. They haven't mailed me any information bout this debt which the " STATUE OF LIMITATIONS '' on the account has " expire '' in the state of XXXX, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in XXXX in years because of a Domestic situation and had to relocate the original agency ( XXXX ) knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off
Consumer complaint received 2018-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

To whom it may concern, I never does business with this company CBE Group they got my phone number and call me and I already told them that they has the wrong person and there respond was ok I will remove your number from the caller list, My credit report with all three agency has been Frozen along with a fraud alert, and on XX/XX/XXXX around XXXX I receive a alert from XXXX that this company report a collection on my credit report in the amount of {$2800.00} I am disable has not work since XXXX received social security since XXXX so please I am asking you to have them remove this account asap thanks
Consumer complaint received 2022-07-31
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. (TN)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681, SECTION 604 a SECTION 2 : It also states a consumer reporting agency cant furnish an account without written instructions.

15 USC 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 2022-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I called XXXX to dispute hard inquiries on my report they told me they can't remove them. Called Capital One personally they said they couldn't remove them either. Stating under federal law they have permissible purpose to furnish this on my report but can't remove it. This is hurting my credit worthiness. I spoke to XXXX no last name was provided. Also spoke to XXXX at Capital One badge number XXXX
Consumer complaint received 2022-05-13
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (PA)

I went on their web site to get more information on how their program works. You have to put in information but i was not trying to sign up for the program. they have me signed up and i never did and its reporting on my credit reports as late payments. I tried contacting the company and their answer was to explain to me how their program works. I also tried disputing on my credit report with no success.
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NH)

2nd complaint received response NAVIENT Company said I made payments to FFEL CONSOLIDATED LOAN ....

No I did not..knowingly make payments to this loan..internal revenue refund OFFSETS and 2 wage garnishes.. received notice just this year which is how I found out about this loan I made payments to a parent plus loan for 5.5 years. Bills stopped thought I was paid..

Response listed NAVIENT ADVOCATE..called..told that CONSOLIDATED loan lender was company called XXXX..called XXXX. Now called XXXX..was told N avient owns that loan..

AGAIN SENT IN CIRCLES..STILL NO COMPUTER ADDRESS INFORMATION AND LOTS OF GOBBLY GOOP..
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

XXXX XXXX, a senior mortgage officer with TIAA bank ( formerly Everbank ), was in the process of helping my husband ( XXXX XXXX ) and I underwrite bids on houses. 

Throughout the process, I repeatedly asked XXXX if my husband, a XXXX citizen, would need to translate his XXXX bank account statements. Repeatedly, I was told that as long as the statements are translated by the original issuing institution ( i.e. the bank ), then those statements would be acceptable in the mortgage underwriting process. 

At this point, XXXX was aware that we had already started the process of translating the documents with his XXXX bank ( for a fee of XXXX euros ),  even having XXXX 's mother ( who had power of attorney on the account ) repeatedly drive to the XXXX bank to facilitate the translation. 

XXXX then pressured XXXX and I into moving forward with XXXX XXXX   and insisting that we would need rush delivery for a total of {$630.00}. We were angry because XXXX had lied about the necessary steps to translate the documents, leaving us paying large fees for last minute translation services without having any time to shop around with other translation providers. 

I called XXXX on XX/XX/XXXX to explain our grievances, given that we had expected to pay XXXXEUR to XXXX 's bank for translation services.XXXX said that Everbank would " take care '' of the bill, following up with XXXX XXXX via email right after hanging up with me. During our conversation, no indication was made that the bill may not be covered, would need approval, or was at all conditional upon moving forward with underwriting. XXXX nor XXXX XXXX did not contact us further regarding this bill beyond XXXX ' last email to XXXX XXXX. 

We were contacted by a bill collection agency on XX/XX/18 to pay the bill, threatening to affect our credit score. Of course, we were surprised that the bill had not been paid. 

When we followed up with XXXX, he indicated that since we did not move forward with the mortgage underwriting process, that he was unable to cover the bill. Neither XXXX nor anyone at Everbank/TIAA bothered to inform us of any of this information. 

I followed up with XXXX ' boss, XXXX XXXX to address the issue. On a back and forth email, XXXX expressly said that XXXX would pay the outstanding bill. That email was XX/XX/18. 

On XX/XX/18 I emailed XXXX again asking for a status update on this outstanding bill. He did not respond. 

On XX/XX/18, the bill collection agency informed me that XXXX left for a 2 weeks vacation abroad without paying the bill. I emailed XXXX again asking for an update. I have not received a response. 

I'm filing a complaint based on 1 ) XXXX XXXX deceptive practices in providing misleading information during the lending process, 2 ) Everbank ( TIAA ) not keeping their verbal and written promise to cover the translation bill in XXXX, and 3 ) Everbank ( TIAA ) not paying the outstanding bill after expressly committing to paying the bill in XXXX.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. Navient confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( Sallie Mae ) and that they could not remove the falsely reported information although they ( Navient ) are the current servicer.
Consumer complaint received 2022-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NY)

I am a cosigner for my daughters sallie=mae loan these people should be investigated when she graduated her interest rate went up to 10 percent from 4 percent plus they keep on changing the payment due date even when she was in forberance so they can collect a late fee. I am sure i am not the only one that they are ripping off these students.there practices are criminal worse than loan sharks please help me with this awful company they should be arrested Thank you
Consumer complaint received 2022-07-31
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-13
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NE)

I have paid the last part of my car loan to Kia Finance in XXXX of XXXX  of XXXX and I am still waiting on my title. I have requested more than 3 times and I keep getting told that I am getting it and it has not came.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC (WA)

I took a loan out through denefits for some medical appointments. I was 3 days late in paying and they text messaged me and called me repeatedly saying they already told the credit bureau. After I told them they were harassing me, they started to text and call from. Different numbers. I haven't been able to pay because I was unable to finish the medical appointments, my daughter 's XXXX XXXX passed away and I no longer get child support or any support, I am on XXXX and tried to explain this but they continue to harass me, I have all the texts and emails but they keep saying they have mailed me via notarized mail but I haven never received any mail whatsoever from this company.