davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (AL)

n accordance with the Fair Credit Reporting act XXXX  accont XXXXXXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (PA)

Good evening. Since XX/XX/2022 i have exercised my right to request an investigation of the XXXX  XXXX  account that appears on my credit profiles at Experian XXXX and XXXX SEVERAl times. i have disputed this account by paper mail in writing and by certified mail with a signature on the receipt. I have my tracking numbers for each dispute each time it was received by the credit bureaus. each time the bureaus have updated the account or verified it as accurate and i am in disbelief to see yet still so many inaccuracies with this account when each of the bureaus has said the information has been certified as accurate by XXXX  XXXX, XXXX in very much disagreement with these outcomes because the information on this XXXX XXXX account does not match across all three bureaus. How is that possible when XXXX XXXX  has CERtified to each bureau that the information they are reporting on my profiles is complete and XXXX percent accurate? it seems to me this account is truly unverifiable. FCRA guidleines show that if an account is unverifiable incomplete or not XXXX percent accurate it must be removed from my profile. also the account in mention has not entered the required notice of dispute with in 30 days of these disputes which is a payable violation. i have attached screenshots of this account as it appears on my credit files and you will see the inaccuracies that exist on this ALLEGED verfied and accurate account, such as the high credit does not match across all three, payment history does not match and a pleathora of other inaccuracies and incomplete inofrmaion. thank you
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (CA)

When I applied to credit cards I didn't know it was going to be a hard pull, also when I applied to a auto loan I didn't consent with them running my credit more than once they pulled the credit and more than one reports popped up.
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MO)

After contacting the Department of Education and detmermining unauthorized student loans were taken out in my name i was advised to communicate directly with the student loan servicer Navient. Navient 's fraud dept requested that I complete an ID Thief Affidavit form in order for them to investigate the case. I filed a police report with the XXXX   College 's police dept on XX/XX/XXXX to report the fraudulent loans. On XX/XX/XXXX I filed a Federal Trade Commission ID theft report with the XXXX  College police report attached. This report was sent to Navient via Certified mail, including account numbers, detailed information regarding my identity, my claim and a Notary Seal. On XX/XX/XXXX I received a letter from Navient dated XX/XX/XXXX which stated that Navient closed the case because they were unable to confirm my claim. I contacted Navient for an explanation of the letter. Navient 's fraud dept agent ID # XXXX, started the case on XX/XX/XXXX. On XX/XX/XXXX, the agent insisted I i was required to grant Navient access to a third party entity in order for their investigation to proceed. On XX/XX/XXXX Navient closed the investigation due to " Insufficient information to determine fraud. '' This would mean the case only remained open for 13 days. The initial time frame given was 30 days for the investigation to conclude/proceed. In lue of this time frame not being upheld, I received communication from XXXX  XXXX XXXX XXXX dated XX/XX/XXXX. This notice advised me of a XXXX interest charge and a XXXX collection fee in addition to the Principle Balance in question. I received a Master promissory note via Navient, outside of that I have yet to receive any documentation regarding the validity, application of the loans, documents used by the person that took the loans out, or any other pertinent information to further assist in my research as well as the ongoing investigation.
Consumer complaint received 2022-10-24
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 filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to be delete in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX Medical XXXX Balance XXXX {$200.00} Medical XXXXXXXX Balance : {$170.00} Medical XXXXXXXX Balance : {$120.00} Medical XXXXXXXX Balance : {$110.00} Medical  XXXX Balance : {$300.00} Medical  XXXX Balance : {$230.00} Medical  XXXX Balance : {$420.00} Medical  XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00}
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK (CO)

In XX/XX/XXXX, I opened up a new checking account with Commerce Bank. They had a public promotion offer available that would pay {$200.00} after a month of keeping account open. I put in {$5000.00} in the checking account per requirements and kept the money in there the whole time. I did not receive the {$200.00} bonus and reached out to the bank for the first time in early XX/XX/XXXX. I talked to a rep that said they would open up a case and get back to me within 2 days. No one contacted me and I reached back out to the bank on XX/XX/XXXX. The rep filled out some internal form and said I should see the bonus post within 7 days. I called back onXX/XX/XXXX and inquired again from a rep named XXXX. She filled out the " form '' yet again. I did not see the bonus or hear from the bank again. On XX/XX/XXXX, I reached back out to talk to a supervisor. At this time, he advised that the bonus was only for certain targeted customers. I told him that it never stated that in the terms and that it was a general public offer. He told me that he would escalate to the Consumer Advocacy department. I still have not heard from him or that department. It is really frustrating because I held up {$5000.00} of cash in this account that promised to issue the bonus.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL (OH)

I have a credit card, Care Credit with Synchrony Bank that I have had since XXXX XXXX that I have been paying on monthly since. I received an online statement that I have gone over my {$2000.00} credit limit and owe a minimum payment of {$170.00}. After contacting the customer service department for the Card on XXXX/XXXX/XXXX. I was informed by the agent, that the reason my monthly payment is so high due to a missed payment and due to the promotional fees. The agent stated that I have made over {$800.00} in payments just in the past year from what her system can only go back 1 year, and accumulated over {$310.00} in just the past 2 months in Promotional fees, and {$120.00} in penalties. After explaining why I missed a payment was due to no employment, I asked if they offerred some assistants, the only assistants she offered was to take away XXXX penalty charge. I asked to be transferred to a supervisor. After being transferred to a supervisor the gentlemen stated that there was no other assistant 's that can be offered until I have a income. I asked him if they are willing to work out a settlement deal, and the supervisor said yes they can offer a settlement option ranging from XXXX50 % off the balance. I was reassured by this supervisor that all I had to do was call back on XXXX/XXXX/XXXX when I had the money from a friend or relative that would be able to pay a settlement. So I was able to gain a backer to support the money needed for a settlement. I contact Synchrony Settlement Department and asked to speak to a Supervisor, after on hold fro 10 minutes, I spoke with a gentlemen and explained the situation, and that I 'm calling back for a settlement. The guy continued to ask me questions that were irrelevant, which I answered anyway. After answering the questions, he stated that they where unable to give a settlement and the supervisor that I talked to XXXX/XXXX/XXXX was not allowed to inform me of settlements that they provide and was not going to offer a settlement. I expressed my concern on how dishonest, corrupt and wrong for their company to treat people and mislead them with false statements. Then hung up the phone.
Consumer complaint received 2018-05-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX from my credit report due to inaccuracies. Within the allotted 30 days, I received response that it has been verified. XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

As of today, XX/XX/XXXX, I have received no response to the verification request.
Consumer complaint received 2022-07-30
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. (NV)

In accordance with the Fair Credit Reporting act XXXX account # 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (FL)

I disputed this account on XX/XX/2022. This account was deleted by XXXX and XXXX. XXXX refused to delete this inaccurate account. I have been harassed by this collection agency. I did not receive the proof of investigation from XXXX. I am suffering from severe XXXX from this, where I am now taking XXXX
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

XXXX XXXX state that they have a Identify Theft Solutions Department on their website of https : XXXXXXXX I understand the pandemic situation right now, however, when I have contacted the general customer service team in the past week, I was then contacted days later by XXXX, in the Executive Response Unit. After being on the phone with her she only wanted me to hear what she had to say and would not listen to me thoroughly. She refused to let me speak to anyone else, and no matter our discussion, she would not correct the situation, nor would she transfer me to or let me speak with the credit review team or fraud area that I was requesting. The call continued in the same manner and she still refused and then disconnected the call. When I attempted to contact her back, she would not answer, I also sent another email, and she did not reply to it either. As discussed with her, I advised her I would be sending a complaint to the XXXX and the Consumer Financial Protection Bureau. She said that those complaints go to her office as well. This is a identity theft and fraud concern,. I want someone in that particular area of fraud or identity theft to contact me. Also, there is a phone number listed to contact the Fraud area at XXXX. After being on hold, someone not in the US answered and stated I had reached a checking/savings area. I explained I needed Retail Card Division. I then was transferred again and was on hold until someone else answered that was not in the US and I had reached the Commercial Bank Card area, I was then transferred again, and I reached Personal Bank Cards, then I was transferred again and I reached Commercial Retail Division, and was then transferred again to the Personal Retail Card division in which I am still on hold now and the call is now 3 hours and 8 minutes. I understand again the pandemic, however the representatives need to listen to the customer instead of being transferred all over the place and stress the first call resolution.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (CA)

I have filed a police report and supplied it to XXXX, XXXX, and Experian. I have filed my FTC identity theft report as well. They refuse to remove these accounts that are clearly Fraud!!!. I have asked these companies to validate this debt and they can not!! But when I submit it to the credit bureaus to fix it somehow comes back verified how? This timeshare account which is definitely not a mortgage keeps coming back to me when my ex-husband opened the account, not me. I have shown all 3 credit bureaus to fix this and they will not. The company has already been reported to the FTC for its shady practices but, the credit bureaus won't help me at all. They have reported this on me but not my ex-husband the person who actually open the account. These things clearly violate my rights under the FCRA. I want this gross neglect fixed ASAP. Here are the accounts in question : XXXX FOR XXXX XXXX account XXXX, XXXX XXXX XXXX Original creditors XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I want to add the police arrested the individual who did this to me as well. He was arrested in Colorado while I live in California. He not only had my information making fake driver 's licenses but he also had the information of over 50 people doing the same to them. I have supplied enough proof to show this isn't my information. I have over 100 fraud inquiries as well that they won't remove. 


I would like to add XXXX has already deleted the following account but the other 2 credit bureaus have not : XXXX XXXX XXXXT this company has lied so many times and reported wrong as well. this account actually belongs to my ex-husband as well not me!!!!!! 


My next step will be legal action against the credit bureaus and these credit furnishers if these errors are not fixed within 30 days as per my right under the FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have hard inquiries on my credit report that I don't recognize which is, XXXX CARD. I already tried to fix this problem and even started to lock my credit report so it didn't happen again.
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (IL)

On Monday, XX/XX/XXXX my wife and I leased a new XXXX XXXX XXXX from XXXX XXXX. As part of the transaction, the termination of our lease on our XXXX XXXX XXXX was processed. As discussed with the sales manager in  great detail, part of the deal was that we would be " free and clear '' of our lease on the XXXX XXXX XXXX, which included the early termination of our lease. The only payment moving forward would be on our new lease for the XXXX XXXX XXXX. 

In the first week of XXXX, I discovered via an email regarding my credit report that XXXX XXXX XXXX claims that we owe {$1400.00} and are delinquent on the outstanding balance for Early Termination of the Lease on the XXXX XXXX XXXX. We have never received a bill in the mail or via email. I called XXXX XXXX XXXX and attempted to explain that this was incorrect ; it was our understanding that I did not owe anything, as the termination of the lease was part of the transaction of leasing a new XXXX XXXX XXXX. I was told by the representative that this was based on the sale of the vehicle and the terms of my lease. The representative was very unpleasant and stated that XXXX XXXX XXXX did not communicate with dealerships and that I need to contact the dealership if I felt there was an error. 

I went to the dealership and my sales representative referred me to the finance manager who I communicated with via email. Yesterday ( XX/XX/XXXX ), the finance manager left a voicemail stating it was not {$1400.00} that I owe, but only two payments, which would be around {$790.00}. She also referred me back to the sales rep and the manager, which I will do. Though there may be a possibility of a clerical error, at this point I feel that I am getting the run around, so to speak. Either way, I think there was a binding verbal agreement that the old lease was terminated without any liability, and that we were only financially responsible for the new lease. 

Additionally, I never received a statement for the {$1400.00} from XXXX XXXX XXXX, and it was reported to the credit bureau without my knowledge that XXXX claimed it was owed. I stopped receiving payment reminders for the XXXX XXXX via email in XXXX. The website now shows the balance owed of {$1400.00} and number of days it is considered late. It also shows that we made 35/36 payments on our lease, with only the XXXX payment as not paid. I not only contend that I do not owe the {$1400.00} and but it also should not have been reported as late to the credit bureaus, so that needs to be removed from my credit report.
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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