davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # 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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Affirm Holdings, Inc (OH)

On XXXX XXXX dont know last name purchased a necklace from XXXX XXXX, the loan is threw affirm inc. i found out because i did a credit pull to see about buying a house, and found out this was 4 months past due and i wasnt even me! The guy ( XXXX XXXX who purchased that necklace, the only thing i can think of him getting my social to be able to purchase that necklace was from my ex husband XXXX XXXX. This is hurting my Creidt and i wan na report fraud!! This was not me!! I have been calling and on phone with everyone nothing no one can do! I want something done!!! And off my credit!
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the fair Credit Reporting act XXXX  Account # XXXX, Account # 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 1661 Section 604 A Section 2. Its also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (NY)

Dear CFPB I noticed a charge on my credit report for {$240.00} during a potential mortgage sale so I just paid it to avoid it popping up on my credit then 2 weeks later, it popped up on my credit, from XXXX. I paid a credit repair person to remove it, and they couldnt get it done i never sighned or authorized any contract for a loan with XXXX. i did NOT! give this company my information or initiate any business. I asked for them to send me paperwork in accordance to this account with my signature or anything supporting me getting a loan, they told me 3 to 5 business days it will be in my email .its been 2 months they dont even know who I am or have my email address but still have this account on my credit report I would like it removed immediately.. under 15 u.s. code 1602 ( p ) Unauthorize use of my information
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

CAPITAL One Bank show duplicate accounts with the same number on my credit report with an incorrect account status as DEROGATORY. I have contacted Capital One Bank to get this situation correct as of today, Captial One has not provided an update or removed the duplicate accounts.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST MIDWEST BANCORP, INC. (IA)

i opened a checking account with first midwest bank ( firstmidwest.com ) in XXXX in response to a offer to receive a {$250.00} bonus after completing certain activities. I completed all activities on XX/XX/2019 and on XX/XX/XXXX I sent a message to them asking why I had not received my bonus. Here is the message I received in response. 
" XXXX, It looks like your account did not meet all the required criteria for the {$250.00} promotion. You did not have a positive balance. The balance of the account at the time of payout was a {$0.00} balance. '' I then sent them a message saying that it is correct that my account had a {$0.00} balance at one time, it was not my fault - it was due to a bank problem. The monthly service fee terms on their website say no fee if you are XXXX or older, I am XXXX. My account had a balance of about {$2.00} and they deducted a fee bringing it to {$0.00}. I called them and they coded my account correctly and refunded the fee. but still have no {$250.00} new account bonus.
Consumer complaint received 2022-06-09
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX and 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 2020-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I sent a dispute to Equifax about 3 inaccurate accounts on my credit report that were never investigated within 30 days. On XX/XX/2019 I sent a dispute by certified mail and it shows they received it on XX/XX/2019. Approximately a week later I received a letter back stating that I needed to send in additional documents to verify my identity. I sent in all additional documents that Equifax requested by certified mail that they received on XX/XX/2019. After sending in all the additional documentation that they requested, I never received anymore letters about the outcomes of the disputes. Equifax never investigated these disputed accounts in the 30 day time frame, nor did they state in my credit report that these accounts were being disputed. These are XXXXwo violations that should of gotten these accounts deleted so I sent another certified letter on XX/XX/2019 informing Equifax that these accounts needed to be deleted because of these violations but that did not happen. Instead of deleting the accounts because they failed to abide by the law, they went ahead and investigated the accounts and confirmed that they were accurate.
Consumer complaint received 2022-06-09
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  and 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 2020-01-13
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. (NC)

After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the Equifax Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.
Consumer complaint received 2020-01-13
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: Nelnet, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

On or about XX/XX/2019 PDQ Services INC located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX Placed a debt on my credit report that does not belong to me, I was never contacted by this company or received any correspondences from PDQ SERVICES INC I have never heard of them this negative account that was placed on my report does not belong to me.
Consumer complaint received 2022-08-17
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. (NY)

In accordance with the Credit Reporting act XXXX, Accounts Assoiated with XXXX, XXXX, Equifax # 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 Its also a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-06-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # 's 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 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

On XX/XX/XXXX I was notified by my credit monitoring service that Loancare LLC listed my mortage account as derogatory chapter XXXX bankruptcy. I did not file bankruptcy as I am unable to because I filed in Massachusetts on XX/XX/XXXX. My wife who is NOT on the loan and is not a co borrower file in XX/XX/XXXX. Loancare was listed in her debtors page in guidance from her attorney.
Consumer complaint received 2020-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

I attended XXXX XXXX University from the Fall of XXXX until XX/XX/XXXX. I was there for 5 semesters & graduated XXXX XXXX, XXXX. I am a former XXXX. I never had any student loans. The VA paid for my 5 semesters. But even if I had loans, it cost less than {$4000.00} per semester. {$4000.00} 5 = $ {$20000.00}. Th student loan people claim I owe them almost {$100000.00}. AND they claim I have loans thru XXXX & XXXX. I GRADUATED IN XXXX!!! They also claim I have loans at multiple universities in different cities!! I have been trying for years to get them to resolve this & all they say is, " it's your loans. We verified it '' That's complete nonsense. If this cant be resolved & these loans removed from my name & credit report, I will have to notify the FBI, my attorney and file an identity theft & fraud lawsuit. Please help me
Consumer complaint received 2020-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (VT)

XX/XX/XXXX I received an alert from my credit reporting agencies that Enhanced Recovery Co L had reported a derogatory account on both XXXX  and XXXX. The debt was for XXXX XXXX XXXX in the amount of XXXX. I had not received any mail or calls from this company regarding the debt. I disputed the debt with both reporting agencies. The debt was deleted from both agencies XX/XX/XXXX. 

The debt was a mistake on the part of XXXX XXXX XXXX. We had discontinued our service and closed the account. XXXX had paid XXXX XXXX XXXX the remaining balance. XXXX XXXX XXXX had continued to charge us after the account was closed. We contacted them and they admitted to their mistake, and made it clear the account was settled and we didnt owe. 

On XX/XX/XXXX I received an alert again from both XXXX  and XXXX  that Enhanced Recovery Co XXXX had placed another derogatory mark on XXXX and XXXX, for the same XXXX XXXX XXXX debt that was deleted from the reporting agencies in XXXX of XXXX. Again, I never received any contact prior to the report to the credit agencies. On XX/XX/XXXX the derogatory mark was deleted again from both agencies. I spoke with XXXX  and they informed me that Enhanced Recovery Co XXXX reported the same debt, using a different account number after it was deleted the first time.
Consumer complaint received 2020-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Consumer complaint received 2020-01-10
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. (IL)

The loan process was fairly easy. Didn't have any issues until I was notified that I could refinance. Called and stated I am interested in refinancing and XXXX the Branch Manager stated she would get the loan paper work started so i could come in a few days later and sign paperwork. When I came in, nothing was started per the other associate sitting in the office. They also stated i need proof of address and a paycheck. No biggie but, would have been nice to know prior to showing up. Come back with the required documents & specifically ask twice in two different ways whether and hard inquiry would be placed again on my credit from refinancing my loan. Answer was no. Next day, I received an alert stating a hard hit on my credit from XXXX XXXX. Called XXXX XXXX & the lady that answers, stated they shouldn't have ran credit within a year. XXXX calls back and says, " I said there would be an inquiry ''. If that was the case, I wouldn't have done it and told her that. Hook & bait. I was very clear when I asked the question & was told there wouldn't be an inquiry. UNAUTHORIZED INQUIRY needs to be removed from my credit reports.
Consumer complaint received 2020-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

XXXX called me. Called back at XXXX They do not identify as debt collectors. They take a threatening tone and say they are calling to resolve a personal business matter and refuse to identify the debt they are attempting to collect or the amount and say that I have to give them their address or they will not identify the account they are attempting to collect.
Consumer complaint received 2020-01-10
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT FROM XX/XX/2019 ON MY XXXX ACCOUNT. I'VE HAD A FEW MINOR HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT.
Consumer complaint received 2023-04-08
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. (TX)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (WA)

I've had a citibank XXXX  savings account for several years that I was using to store money ( ~ $ XXXX ) for a house downpayment. Citi accepts ACH transfers, which is how I had slowly funded the account. 

I had an offer accepted on XX/XX/22, and needed to transfer $ XXXX out of my citi account for an XXXX money deposit by XX/XX/22. 

Citi evidently does not allow ACH transfers out -- only in. So I tried to initiate a wire transfer, upon which an online popup told me I needed a debit card to allow me to do that. Citis online service then promptly locked me out of my account. It makes no sense whatsoever to have a debit card for a savings account. 

I called citi and was put on the phone with a person who was verbally incomprehensible. I tried again with another call back and then had a completely useless conversation with another customer service agent who, it felt, was reading from a flow chart. The dialog went effectively : Me : Hi I need to initiate a wire transfer because I bought a house. 
Agent : Okay, what is your debit card number? 
Me : I dont have a debit card for this account. 
Agent : A debit card is required to initiate a wire transfer. 
Me : I dont have a debit card for this account. 
Agent : A debit card is required to initiate a wire transfer. 
etc. 

I attempted to ask whether someone had an alternative solution, whether I could speak to a supervisor, etc., with no help provided whatsoever. I called back several times and had similar conversations for XXXX hours, until I called a different service number and found someone who could issue me a debit card, but it didnt arrive for a week. 
Unable to get my money out of my Citibank account, I had to move money from another account ( that I wasnt ready to move quite yet ) and ask a family member to help me with the difference to make the deadline for the initial earnest money. 

Now, Im attempting another second transfer with Citibank ( basically to move my money pre-emptively to another account so I dont risk any more Citibank holdups before my home close on XX/XX/XXXX ), and have had to spend hours on the phone with them going in circles about my identity, debit card number, etc. to initiate that wire transfer. 

I recognize there is nothing illegal about terrible customer service. But, the spirit of this is not consumer friendly, so Im curious if there is recourse or corrective action so that other people dont have the same frustrating and stressful experience I did that almost killed my chances at being able to close on a house. In sum, Citibank makes it incredibly easy to put money into accounts there, but incredibly difficult ( not to mention expensive in terms of fees ) to get money out of accounts. From speaking to friends with Citibank accounts and reading online reviews, so many other people have had similar experiences and Im not alone in this.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX