davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
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. (PA)

On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof.
Consumer complaint received 2022-08-02
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Names : XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX, NC XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employer : XXXX XXXX Inquiry : XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Experian Employers : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX NC XXXX Collecons : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (ND)

I got restricted phone calls on XX/XX/ 3 times within half hour to call a number with a case number that someone was going to serve me from an account in XXXX with wells fargo. They also called on XXXX and left a voicemail to call a different number with same case number. I usually do not answer restricted called but they kept calling me repeatedly. The numbers are XXXX and XXXX and it's the same guy and refused to give me his name or any information. Threatening that I will be having court and getting served.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/2018, I ordered a 3-4 person double layer hydraulic-lift tent ( order XXXX from XXXX XXXX -- XXXX XXXX XXXX ) for {$69.00} and received on XX/XX/2018, a single layer tiny non-hydraulic tent ( it looks like a flimsy tent for a child/pet ). I disputed this charge after not hearing back from the customer service after lodging my complaint on XX/XX/2018. I sent photos and also noted that with checking, this XXXX XXXX is a XXXX scam and that there are many of us who were taken. Citi card denied my dispute " since we have not received the credit slip or chargeback approval letter from the merchant to prove they agree you are due credit for this charge. '' A description from others about the scam : XXXX XXXX XXXXXXXX
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (SC)

XXXX XXXX has once again turned over an account to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Please see the attached documentation of the same account that XXXX XXXX has submitted to various credit reporting agencies over the last three years. This is an ongoing problem. WHY DOES XXXX XXXX Continue to knowingly and willing report incorrect information to various collection agencies? Why is collection agency refusing to verify the information with XXXX XXXX. 

Upon giving my SS # to the above credit reporting. The agent on the phone asked if my name was " XXXX XXXX ''. I have never lived in Louisiana or the area where " XXXX XXXX '' resides. My name, as I have stated to XXXX XXXX multiple times in writing in the past three years is XXXX XXXX. I am in good standing a XXXX XXXX customer today. The agent ( in a recorded call ) furthermore said that I should report this situation as identity theft. I have had no other attempts by anyone to use my identity to open other accounts. This is clearly a case of poor and possibly fraudulent collection practices by XXXX XXXX. Please see all the attached documentation from many past attempts to collect money on the same erroneous account information.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (OK)

Barclay 's Card has submitted hard inquiries without proper authorization.. Inquiries were made when a request for a larger credit line were made during the below dates. A hard inquiry was made and I was unaware and did not accept them to do this. This has brought down my credit score. 

Written requests to Barclays have remained unanswered. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Request all inquiries removed.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Luckmore Finance (LA)

Luck more financial is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
Consumer complaint received 2022-08-02
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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 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
Consumer complaint received 2018-11-02
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. (TX)

SINCE XX/XX/XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX XXXX DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XX/XX/XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND XXXX AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO XXXX BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Ive been trying to get a replacement card from XXXX XXXX for literally months. They didnt send me one when it expired because they said I hadnt paid the bill despite me having money available for use. No biggie. I paid the bill. They still have not sent me the replacement card. I spoke with 10 people who have all told me different things. I requested it to be expedited and was told it would be and that Id have to send a copy of my ID for verification. Sent it and card wasnt expedited. I called to check and the next rep told me I had to go through verification again. He, unbeknownst to me, cancelled the card and just said I lost it. Im not sure how when I didnt even get it! I hung up because this was fraud as I told the rep. Any actions taken that were not authorized is fraud. He insisted it wasnt. I called and requested a different card. The next supervisor told me she couldnt request another card for me because 2 cards had been ordered in one day. I called right back and the next staff member told me they could request the card without issue. Meaning the supervisor lied. Anyway, the rep said she ordered the card and requested for it to be expedited. I called back to double check since they clearly are lying and the rep said she saw in the system where it was waiting for me to go through verification before it could send the card and that no card had been ordered. This back and forth continued for 48 hours. And I still dont have a card. But Im making payments.
Consumer complaint received 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (HI)

In XX/XX/2018, I was wrapping up my studies ( XXXX XXXX ) and knew I was graduating soon and wanted to prepare for repayment. I am a federal empoyee ( XXXX, XXXX   XXXX ) and requested both Public Service Loan Forgiveness ( PSLF ) and Income Payment Reduction ( IDR ). XX/XX/2018 PSLF was approved and my IDR monthly payment was calculated at XXXX. Soon after, I qualified for a home mortgage in Hawaii ( Place of work, XXXX XXXX ). Due to a one income family ( XXXX child living with me and XXXX child in college ), the bank and I prepared a tight budget so I coud afford the house and capable of paying for other necessities. 

In XX/XX/2018, I was required to recertify ( PSLF ; proof of gov employment ) and annotate that if there was a change to my income. My income increased XXXX ( 1.7 % ). In XX/XX/2018, my monthly student loan increased from {$480.00} to {$1500.00}, close to 319 % increase. Since XX/XX/2018, I have tried to recertified 3 times, once my employer actually called XXXX to verify. No action as of today. Additionally, I have requested explanation how and why my monthly payment increased 312 % and stated that my original monthly payment of XXXX was I could afford. Once again, no action other than restating that {$1500.00} was my new monthly payment. 

With a {$1500.00}. student loan payment, obviously I would not have been approved for the loan on my home nor is even close to what I can pay monthly and pay monthly expenses. If forced to make this payment, I would fall into a severe financial hardship, if not even bankrupcy. Im not sure what to do at this point. Please assist.
Consumer complaint received 2022-08-02
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Collecons : 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 Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Collecons : 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
Consumer complaint received 2021-08-03
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: CBC Companies, Inc. (PA)

I have these items that are not mine and i want them to be removed form my credit. 


1. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX This is not mine.

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX This is not mine.

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXXThis is not mine.

7. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
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)

I am a natural person, I am a living human being. I have rights under 15 U.S.C 1681.

Equifax is governed by 15 U.S.C 1681. They have violated my rights numerous times. I demand that these accounts be removed because according to 15 U.S.C 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. These accounts have been litigated and balances reported are incorrect. Both of these accounts have been closed and delinquent past the statutory time allowed to be reported. The company reporting these items hasnt submitted a closing date because it proves that the accounts are in violation of the statutory law. There hasnt been a thorough, reasonable, or fair investigation. If there was these credit bureaus would have noticed the violation and corrected it XXXX recognized the inaccurate information and removed them. Ive submitted enough legal documentation for them to do a fair investigation XXXX XXXX XXXX XXXX XXXX  ) are the items in reference
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (MS)

Hello. I would like to file a complaint about the XXXX XXXX XXXX XXXX card. Recently I filed a complaint that there were two accounts listed on my Credit Report. Im a small business owner that has faced many financial hardships trying to keep the doors open at my XXXX XXXX XXXX where I XXXX  XXXX and XXXX XXXX in my hometown. Im working very hard to come back from near bankruptcy this past fall. When I spoke with the gentleman at XXXX XXXX XXXX he told me that there was a card that was lost ( in which I did receive a new card ) but that it was now listed as two accounts on my report. I disputed this several times Bc Ive only ever had one account. He informed me that the new card created a new account for me. So one shows closed and one open, Both for short amounts of time so that is definitely hurting my score. He refused to cooperate and I was very upset crying. Now, I have also received two notices by mail, informing me that my reoccurring payment would post at {$0.00}. One letter came on XX/XX/XXXX and one arrived on XX/XX/XXXX. In the conversation on the phone with the syncrony operator, I was told the two accounts were combined. One of these accounts, I fear does not belong to me. It seems I have paid well over the amount I purchased and agreed to pay back or that this company has charged me an unauthorized amount. I have attached the copies.
Consumer complaint received 2017-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXXXXXX at XXXX XXXX I received a call from Ally Financial regarding my car payment, I informed that was n't able to make payment at that moment and would contact back at a later date. On the same exact date they contacted again at XXXX and left a message regarding the payment and again at XXXX. I know that they cant contact me again after a message has been left. When I informed the rep of my knowledge he explained to me that the automated dialer had called my number. I informed that there should have been some form of notation that a message was left. I also asked the rep to speak with a rep from the United States of America because there seemed to be a language barrier and the rep asked why, I then informed the rep of why and he continued to say that he was trying to help and basically was trying to force me to make the payment.
Consumer complaint received 2020-08-05
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$71.00} XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$75.00} XXXX  XXXX {$270.00} XXXX XXXXXXXX {$250.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX XXXX {$43.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX/XXXX   XXXX {$920.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX  XXXX {$880.00} XXXX  XXXX {$780.00} XXXX XXXXXXXX {$2400.00}
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

I had two cards tampered with prior to purchase. One was already inactive due to pre-activation activity, the other was terribly damaged and the magnetic stripe had been destroyed. I asked for the cards to be registered, inactivated, and replacement cards sent, but both the representative and supervisor insisted on charging me a XXXX fee ford doing this despite the fact that it was not my fault the shoddy security allowed these cards to be compromised prior to my purchase. The packaging was faultless, but this company for some reason routinely has compromised cards in faultless packaging. Both the predictable sequence of numbers of their prepaid cards and easily tampered packaging make their cards seemingly easy targets for thieves, and they seem uninterested in buffing up security and completely unconcerned how this affects consumers.