davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( XXXX ) ( C ) Authority to decline or rescind. 

( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened XX/XX/2013 XXXX {$0.00}.
Consumer complaint received 2016-08-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: USI Solutions Inc. (MT)

I keep receiving debt collection phone calls from XXXX. When I call them back, they identify themselves as USI Solutions Inc most of the time, sometimes they identify themselves with a fictitious or illegible company name. When they leave a voicemail, they identify themselves a USI Solutions Inc. The calls are in regards to a XXXX account prior to their acquisition by XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. I told the debt collector that it was n't my debt and asked her to mail verification. She told me they were " not in the letter business. '' They wo n't even provide me with an account number for the alleged debt. I never received any verification or notification of rights. I called XXXX to try to verify the debt myself, and they have no record of it. They call every single day and if I attempt to communicate with them, they are very rude and talk over me with blatantly inaccurate information.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

This letter is in dispute of account number XXXX in the amount of {$1000.00}. XX/XX/2012, I spoke to a XXXX customer service rep that misrepresented the unlimited data plan. I was told that it was unlimited data all inclusive, but was sold the product incorrectly, it was not unlimited data. I asked the rep several times before accepting the plan if was truly unlimited and he said it was. I was lure to accept a package that was not actually unlimited data. I would have never agreed to the terms of the plan, if I had known the correct facts. I had also explained to the rep that my husband was injured in XXXX and XXXX retired so I needed a plan that would not be a financial burden. I received a bill that was over $ XXXX-XXXX. I called and spoke to a XXXX manager, who review the recorded phone and indicated that the rep did provide inaccurate information. He also stated there was not anything he could do to help us. We canceled our contract. The charges include early termination fees.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I have student loan debt that is over {$110000.00}. My loans were transferred from XXXX to navient. I received a bill saying my payment was {$890.00} which I could n't afford. They said I could go into forbearance for 36 months if I could n't pay it. I thought it was my only option. I think at the time my loans were {$87000.00}. It grew exponentially. I had no idea there were income based repayment plans. They did n't mention that At all. Now I am drowning in debt and afraid I wo n't be about to take care of my family. In my opinion it was predatory lending practices. Also the XXXX program I attended offered false hope for gainful employment and the program has since been eliminated from XXXX programs. I was taken advantage of by the university and student loan programs
Consumer complaint received 2017-05-27
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. (NC)

I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b  y the   XXXX   XXXX   XXXX   on  XX/XX/XXXX . They (   XXXX   XXXX   XXXX   ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with   XXXX   XXXX   XXXX   management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.
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Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!
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  XXXX   XXXX   has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.
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This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on  XX/XX/XXXX , XX/XX/XXXX  ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my 47 years ever hit my credit with a HARD inquiry for a simple, few hundred dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at   XXXX   XXXX   XXXX   repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month ( if not years ) down the road.
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So, as in my case, TWO hard inquiries were done on my card by   XXXX   XXXX   XXXX   within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.
Consumer complaint received 2017-05-27
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. (MD)

In attempting to clear up my credit, I sent several letters to Equifax about Chapter  XXXX  bankruptcy that is on my report. I asked that they send communication about verifiable proof of the following :  *the n ame of the courthouse *the person 's name they verified the dispute with  *the address *the telephone  number *the documentation used to verify the dispute According to FCRA, Sect ion 609 a ( 2 ) I  can request to see what they used as proof to verify the bankruptcy and FCRA, Sec . 611 par ( 6 ) ( B ) ( iii ) a   description of the procedure used to determine the accuracy and completeness of the information of a letter sent to Equifax on  XXXX . They sent letter back asking for identification and I sent that on  XXXX  ; however they did not send what I requested  Method of Verification  for Chapter  XXXX  bankruptcy. I sent another letter on   XXXX   stating that I sent the identification and that I wanted my request answered. Again they sent letter asking for identification again. How many times can you give them identification? This time I told them I would report them to the FTC and their website led me to you. As of today which is  XXXX  I have not received my answers to the aforementioned request.   Since there is NO LAW that the bankruptcy remain on your report for 10 years ; at least I have not seen one than it should be removed. if you can find that law please send it to me. The other two credit bureaus removed the bankruptcy and evidently Equifax refuses to provide the information I am requesting. With that being said the bankruptcy needs to be removed since it was  discharged  and I have not received the answers to my request. I believe they are stalling because they do not have that information. Hopefully you can intervene and find out why they  will  not respond.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (NJ)

This is the XXXX time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-02-07
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. (MO)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 1681 s-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 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (CA)

My name is XXXX I attended XXXX XXXX in XXXX CA. This school has been shut down. I had a private loan through Genesis Lending. I have no Idea how to repay this or if they are in some kind of lawsuit I would like to know the status of this. They no longer have a website or contact number. 

If you can find any info on my account or on the loan company that would be appreciated. 



Thank You
Consumer complaint received 2017-05-27
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: Experian Information Solutions Inc. (NC)

I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on    XXXX   XXXX   XXXX   . They (  XXXX   XXXX   XXXX   )  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX  management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged my  credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the  XXXX   XXXX  must be addressed as the rep on the phone on    XXXX   XXXX   XXXX   ,    XXXX   XXXX   XXXX     (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my   XXXX      years ever hit my credit with a HARD inquiry for a simple, few  hundred doll ar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road.      So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a coupl e hundred doll ar credit line increase.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (FL)

I have a consolidation loan serviced by Great Lakes. My repayment plan was a tiered approach with three different repayment amounts. Throughout the life of the loans ( repayment began in XX/XX/2004 ), I have instructed Great Lakes to apply any overages from the loans to principle of the loan ( both on coupons and subsequently in various electronic communications submitted to them ). It has been my practice to submit approximately {$100.00} extra a month above each required payment ( I eventually switched to automatic withdrawals with this instruction ). Whenever I have inquired on this point regarding paying above the loan amount with a live person, I have been told that their policy is to apply overages to interest outstanding first, then principle. Additionally, I have received statements indicating my loan is " paid ahead '' by nearly {$9000.00}, in derogation of what I have told them repeatedly in written, spoken and electronic media. I believe, based on the statements on the CFPB website, the actions of the lender are in violation of student loan regs.
Consumer complaint received 2021-11-26
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: WELLS FARGO & COMPANY (NC)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2017-05-27
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: BARCLAYS BANK DELAWARE (NC)

I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b y the Barclay Card USA o n  XXXX   XXXX ,  XXXX . They  ( Barclay Card USA ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with Barclay Card USA management, they keep insisting that " customers are not told that  their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say  YES  to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      Barclay Card has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILL EGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the  Barclay  Card must be addressed as the rep on the phone on  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  XXXX  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  Barclay Card USA repe atedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month  ( if not years ) down the road.      So, as in my case,  XXXX  hard inquiries were done on my card b y Barclay Card USA  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple  XXXX  dollar credit line increase.
Consumer complaint received 2015-08-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending ()

I have student loans from XXXX College called Genesis loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX College to a new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. But as of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX Colleges.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (CO)

I called Nelnet to request a lower payment option. They told me that I was not eligible as my husband and I combined made too much money. They told me I could do a forebearance, or file my taxes separately from my husband for 2016 and then they could get me a lower payment. This is just ridiculous to me. I am paying the loans, on time, every month, and I 'm paying extra on them when I can. And all of that means nothing to them because they want me on the hook for the loans longer so they can make more money in interest. It 's not a good or ethical business practice. At all.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

REPORTING FRAUD ON TH E   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX   XXXX  , TX   XXXX   / 2. EQUIFAX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE   XXXX   XXXX   XXXX  . I BECAME  XXXX  IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.   XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX   XXXX   XXXX   XXXX   ) ) )
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

REPORTING FRAUD ON T HE  XXXX  MAJOR CREDIT REPORTING AGENCIES. 1. EXPERIAN   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.  XXXX    XXXX   XXXX   XXXX   XXXX  , PA   XXXX   / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX   IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.    XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER    XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX   XXXX   XXXX   XXXX   ) ) )