davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I bank at Citizens Bank. The Citizens Bank I use often to withdrawal funds as ATM issues on a regular basis causing me to have to use other ATM 's that are not Citizen Bank owned. In the last week and a half alone among other times throughout the month the ATM machine has been down or the bank was roped off due to a robbery causing the use of NON Citizens Bank ATM 's. I was charge a number of fees they consider 'Convenience Fees '. When I called the bank to discuss the fees and the reasons why I was charged them, they only agreed to reverse XXXX of them. It is not right to charge a consumer fees for something they are supposed to supply and are unable to for whatever reason. To call it a 'Convenience Fee ' when it is clearly not a convenience it not right.
Consumer complaint received 2023-03-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I turned in my leased Infiniti G37 to Nissan on XXXX XXXX 2014 as part of my agreement to lease a new Nissan Altima. The car dealership did not return ( ground ) the car to its parent company until XXXX 2014. Resulting in false missed payments and serious delinquencies reported on my credit report.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (DE)

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Ally Financial to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Ally Financial has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Ally FInancial did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Ally Financial and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Ally Financial has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) Ally Financial does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Ally Financial and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mobiloans, LLC (FL)

Mobiloans reported to the credit bureau XXXX that I did not make an XXXX payment. On their client portal website and in my bank you can see clearly the 2 payments via ACH debit that Mobiloans charged. I contacted transunion and was informed that I needed to contact the creditor so they can stop reporting misinformation. When I contacted mobiloans the representative refused to help me and said she doesnt do anything with credit. I asked to speak to a supervisor and was told she would send an email and will not be able to get on the line. I tried asking her to please transfer me to a supervisor but before I could finish my sentence She placed me on hold and then came on and said her supervisor XXXX said to email because she couldnt help me & theres no one I can be transferred to.
Consumer complaint received 2017-01-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

Enclosed are detailed transactions from my bank statements and credit card accounts for my Infiniti Financial Services account for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Infiniti Financial Services " rolled my payments '' and reported all of these months late. Payments were made within 30 days. Therefore, my credit report should not be reporting late or delinquent for any of the months. Please see attached and update immediately.
Consumer complaint received 2023-03-21
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # 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 2022-08-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-06-22
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have repeatedly requested that Rash Curtis & Associates provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2023-03-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (SC)

Good Morning, In late XX/XX/XXXX, I requested a XXXX forbearance/deferment from Nelnet. I have XXXX XXXX and need to defer the funds from paying for my FFEL student loans to pay for XXXX, appointments, transportation, hotels, recovery, and supplies etc. The catch : I hold a XXXX XXXX XXXX loan with my wife. We were initially told yes! Nelnet can complete a XXXX Deferment for us and sent us the paperwork. A supervisor called us back an hour later and stated No, that we can not qualify for a XXXX Deferment UNLESS YOU BOTH HAVE XXXX!!!! Seriously, I couldnt make this up. She was very nice and understanding, gave us a deferment until XXXX XXXXBUT all the while the interest is accruing exponentially. 

The PL117-200 law signed by the President as of XX/XX/XXXX allowing us to separate these loans, but have not been given a mechanism to do so via the Department of Education XXXX In the meantime, I was diagnosed with an aggressive XXXX. I am very aware of the Department of Education Appropriations Act, XXXX, Title III of Pub.L. 115-245 I feel that I should be afforded the benefit of my loans NOT accruing interest as outlined in the law. We should NOT BE PENALIZED yet AGAIN for having a Joint Spousal Consolidated loan!!!

On top of this, I have a Parent Plus Loan that I will have to resume payment on in XXXX. I imagine I will have to navigate this process yet again.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have been threaten with a law suit and I constantly receive calls from Rash Curtis Associates at least 2-3 times a day sometimes 4 and I have asked them not to contact me. 

I did business with an Attorney back in XXXX and he was fully paid. I received a notice from Rash Curtis Associates in XX/XX/XXXX, alleging I still owe the firm that is no longer in practice a debt of {$18000.00}. The notice states the debt was for services rendered on XX/XX/XXXX which is more than 7 years old. I also advised the rep that I paid the debt in full. 

He agreed it was paid in full but told me I was late on my payments to the firm and the balance of {$18000.00} is the interest that has incurred.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XXXX XXXX a notice from a leasing consultant at XXXX XXXX XXXX XXXX a potential apartment location. It stated that they could not access my Equifax credit file due to a block through XXXX XXXXXXXX XXXX 
XXXX XXXX to create an Equifax account on the website was given the error code NH and was instructed to call the customer care number. After speaking to a representative, she told me to mail in documents to verify my identity ( i.e. driver 's license and SSN card ) because she was unable to find my credit file based on the information given. The possible issue could be a merged file or a thin credit file, in which I had no credit history for that bureau. However, I have had 2 credit cards and student loans for the past two years. She said it would take 5 business days for them to process the information/ request. One representative instructed me to call my credit card lender to send an off-cycle report to all 3 bureaus to find discrepancies in my credit file. 
XXXXXXXX XXXX-Mailed my documents with USPS Priority Mail Express . 
XXXX XXXX-Documents have been delivered to the mailing facility waiting for pick-up. 
XXXX XXXX-Documents were picked up. 
XXXX XXXXattempted to call Equifax again and was told the information was either not received or not processed. ( Called a few days earlier and an Equifax representative stated that if my file is not real then they could generate one based on my information. )
Consumer complaint received 2022-10-03
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. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (GA)

I HAVE CONTACTED THE DEPT OF ED NELNET ON SEVERAL OCCASIONS. I HAVE ADVISED THEM THAT I NEVER TOOK OUT LOANS WITH THEM AND THEY STILL CONTINUE TO REPORT ON MY CREDIT REPORT THAT I AM 120 DAYS LATE WHICH IS NOT TRUE BECAUSE THEY GARNISHED MY TAXES ONE YEAR AND I HAD A OFFSET FROM THEM WHEN I ADVISED THEM THAT THE LOAN WAS NOT MINE. I HAVE CALLED SEVERAL TIMES AND BEEN TRANSFERRED WITH NO HELP. I HAVE EVEN SENT LETTERS ASKING THEM TO REMOVE THIS OFF MY CREDIT REPORT ESPECIALLY SINCE THEY GARNISHED MY TAXES FOR A FRAUDULENT ACCOUNT. I HAVE NOT GOT A RESPONSE AND ITS STILL ON MY CREDIT REPORT
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NY)

I received an email from Chase bank to apply for their new Ink business card and i will get XXXX bonus points I applied, and they denied the application because i have too many cards. 

If that is the case why did they send me an email inviting me to apply, and wasting my time?
Consumer complaint received 2022-12-12
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: MOHELA (MI)

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 an 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 any purpose.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have attempted to get TransUnion to remove a XXXX item on my credit report that is erroneous. I never had a XXXX account. This erroneous item prevents me from providing a home for my children and it impedes my employment. The harm is made all the worse because it is easier for a corporation to mistakenly or erroneously place a collection on a consumer 's credit report than it is for a consumer to remove such items. Please have TransUnion remove this false item from my credit report.
Consumer complaint received 2016-11-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (MD)

I contacted Ally about my auto loan being rewritten. At that time I was informed if I rewrote the loan my next payment would not be due until XX/XX/XXXX. I received no collection calls. Therefore I was under the impression that my loan was in a rewrite status. Ally reported my payment as late while they rewrote the loan, requested info from me by XXXX, and completed the loan process. When all was finalized I found out the credit reports were made.
Consumer complaint received 2022-12-12
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. (AZ)

In accordance with the fair credit reporting act the list of accounts below have I laid it my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 16 84 168 Account XXXX : XXXX  acct # XXXX ( acct name : XXXX  # XXXX name ; XXXX. Acct # XXXX & XXXX names XXXX XXXX acct # XXXX : acct name : XXXX  : acct # XXXX ; acct name XXXX  XXXX  Acct # XXXX ; acct name : XXXX  15 USC 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 it's also States consumer reporting agency can not furnish an account without my writ instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make any consumer reporting containing any of the following items and information any other adverse item of information other than records of conviction a crime which antedates The report by more than 7 years 15 U.S.C.1681s-2 ( A ) ( 1 ) person shall not furnish any information related to consumer to any consumer recording agency if The person knows or has Has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-22
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. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be updated or repaired ASAP. Thank you. 
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 2020-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 VOD DISPUTE LETTER XX/XX/2020
Consumer complaint received 2016-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I currently have an issue with my student loan servicer Navient in the sense that they are trying to raise my interest and payments even though I have fixed 30 year interest and repayment schedule and I have never been late on my payment and have been making regular payments for over 12 years automatically deducted from my bank account every month on time. 

I 've contacted the loan service ( Navient ) and all they could tell me was they have looked at the contract and are increasing my payment, even though again, I have a fixed rate and have been paying on time.
Consumer complaint received 2022-12-12
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. (MN)

I want Equifax to review the attached dispute form and investigate my dispute. The following accounts are paid in full : XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX The following accounts and credit card was reported lost/stolen : XXXX XXXX XXXX and XXXX XXXX Bank XXXX The following debt collection account is fraudulent and not my debt collection account : XXXX XXXX  XXXX XXXX {$360.00}. The following public record is not my public record : XXXX XXXX  XXXX of Minnesota, reference number : XXXX, XXXX  XXXX XXXX  Discharged. The following credit inquiries are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX.