davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
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. (MO)

On XX/XX/2020, I worked out an arrangement with XXXX  XXXX  to settle a Collection account that originally belonged to XXXX. The agreement was that if I paid XXXX XXXX would cease all collection efforts on the account. I did pay the agreed upon amount and XXXX returned the remaining amount to XXXX, assuring me that all collection efforts would cease. After a couple weeks I noticed that Experian had shown that the account had a XXXX balance, but was still listed as a collection account. I disputed this with Experian and I got the attached dispute response when they show that was no longer listed as a collection account, but indicated that the account would remain on my credit for seven years. 

Yesterday, after paying Experian {$29.00} I looked at my credit report and discovered that they had in fact not removed the account from the Collections section of the report. I contacted XXXX XXXX, whom I have an account with, and asked what could be done to get the information corrected, as the credit bureau was still showing the account as a collection item and that was not what I had agreed to. That conversation is also enclosed and shows that they have also tried to get the information straightened out. I spoke to XXXX, and they told me that they reported it as a closed account, but they could not guarantee how the credit bureau reported it. I also attached a copy of the letter of agreement from XXXX.
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I have made multiple attempts to contact regarding an appeal for counting past employment. Including providing detailed tax information and documents verifying employment at the XXXX  XXXX XXXX  that Mohela has not counted. They have been unresponsive to my emails and my request and my appeal. They are not reachable by phone or other method. 

They have also yet to process my employment verification for XXXX which was submitted in XXXX, six months ago. I work for the XXXX  so I know that is really easy to do. 

Mohela is unreachable and in response to emails will only reply letting you know when your next payment is. They give you a phone number to call that has a recorded message and no way to contact a person.
Consumer complaint received 2015-08-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (CA)

I applied but did not accept admission into California XXXX University XXXX XXXX and was contacted almost 2 years later that I owed them a substantial debt for tuition. The school was non-cooperative and sold the debt to a debt collection agency. This is not my debt as I have never attended or enrolled in this school.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: KEYCORP (CT)

I purchased a property in  XXXX   XXXX , CT and while I was in the mix of my repairs,  XXXX   XXXX  contracted  XXXX   XXXX  to preserve the property.  XXXX   XXXX  changed the locks and in the process caused significant damage. I contacted  XXXX   XXXX  about the damages and they agreed to repair the damages, however after I submitted my invoices they have not responded.
Consumer complaint received 2015-08-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Real Time Group, Inc. (CA)

Debt Collection AgencyReal Time XXXX has constantly harassed for debt that is not mine. My ex-husband has full access to my social security number, driver 's license, bank accounts, and other financial data. I did NOT authorize this debt. Please provided hard copies of documentation from loan initiation including my physical hand signature and date. I would like this debt removed from my file because I did not authorize these charges.
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

i was a XXXX Customer. XXXX was recently acquired by First National Bank ( PA ). I was just informed by FNB that I will not be able to access any of my prior banking records online from XXXX. I never received notice that this is the case and find it hard to believe that FNB can aquire a bank and then purge all of the customers past history under the old bank.
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (AL)

Hyundai capital America - Amount - {$17000.00} DateXXXX XXXX XXXX Action taken towards me was an charge off. 
I have no knowledge of this account I am a victim of identify theft. 

Hyundai Capital America - AmountXXXX {$3700.00} DateXXXX XXXX Action taken towards me was written off by lender. 
I have no knowledge of this account I am a victim of identity theft. 

XXXX XXXX Amount- {$960.00} Date-XXXX  XXXX Action taken towards me was a collection Account .I have no knowledge of this account. 

Inquires that I have no knowledge of- XXXX XXXX XXXX DateXXXX DateXXXXXXXX XXXX XXXX XXXX DateXXXX DateXXXX XXXXXXXX XXXX XXXX DateXXXX XXXX XXXX XXXX Date-XXXX XXXX XXXX  DateXXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

XXXX  acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. XXXX has verified that they don't have no contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. ( See Attached ) For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. They are reporting to the credit Bureaus without my consent. Also XXXX, XXXX, Equifax has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. ( XXXX XXXX XXXX XXXX XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated Thank you,
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently check ed my credit report. I have inquiries and other accounts on my credit report that does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I've been a victim of identity theft. 
My credit has been negatively affected. 
There are several collections and hospital bills that have accumulated on my report that I have no knowledge of nor did I authorize. There also several phone accounts on my credit that I did not start, there bank accounts in my name that I don't own or never had.
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. (LA)

on XX/XX/2021, the following company obtained an unauthorized credit inquiry report against my consumer profile in violation of 605a [ 15 U.S.C.1681 ( c ) ] Identity theft prevention ; fraud alerts [ 15 U.S.C. 1681c-1 ] by failing to perform verification as outlined within the 15 USC 1681 FCRA under 605A for Identity theft prevention ; fraud alerts on my consumer profile. 
TRANSUNION LLC failed to follow protocol and verification stated within [ 15 U.S.C. 1681c-1, 605A ] profile which states to follow clear guidelines in obtaining and/or release of consumers file of Identity by verification for theft prevention clearly under limitations and verification of release of information which includes calling phone number listed within the consumer file as guaranteed under 15 U.S.C. 1681c-1, 605 ( A ) ( SEE BELOW ) TRANSUNION LLC failed to follow the procedural guidelines as outlined within 15 U.S.C. 1681c-1 605A for the protection of identity theft victims in their conduct and retention of an unauthorized inquiry and release of my consumer profile. 
605A. Identity theft prevention ; fraud alerts [ 15 U.S.C. 1681c-1 ]
Consumer complaint received 2016-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NY)

I need to get lower payments and it is not working. I am XXXX years old and still owe over {$60000.00}! I tried to get some kind of partial forgiveness or a better plan for my federal loans.I am a XXXX and was denied an educator lower payment!
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collection. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I placed a SINGLE online order on the HomeDepot.com for 58 items. The total was {$2300.00} and had a single order number of XXXX. I used a promotional code for 0 % APR for 24 months on purchases over like {$1800.00}. However they broke the entire transaction down in multiple transactions to avoid the promotional rate. The Home Depot website shows a single order but their credit card shows multiple smaller transactions. They spread the transactions out over XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. The following addresses are incorrect and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I have been trying to follow up with my information being on the dark web because of security breaches of several of my very old credit cards. Hence I froze my account years back. I am now being sued for debts I did not incur on cards I closed. 
the XXXX score system I got my credit information from today has me with 3 different names. This is NOT accurate. My name on all of my ID is XXXX XXXX XXXX. The system actually says I'm XXXX XXXX. And a XXXX XXXX Please XXXX my name to the legal status that is on my ID. This is causing me many legal problems. XXXX XXXX XXXX Thank you so much.
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

Hi, I called Citibank Credit Card services over 20 times and their customer service is unprofessional. I've been trying to be able to add authorized users to my credit card since I ' m allowed up to 10 people, and Citibank gave me a hard time to add 5 people. I tried to add the 6th person on XX/XX/2019 and Citibank wouldn't allow me. They said I have a block on my credit file. I called all three credit bureaus, XXXX, XXXX, and XXXX numerous of times and they do not have a freeze or security hold of my credit file.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are currently  XXXX  bankruptcy tradelines showing on my cred it report.    XXXX  #  XXXX , and  XXXX .   Per my credit report transunion is list their source for this information as ILLINOIS  XXXX  COURT-  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon calling and writing the source the have stated to me that they do not verify anything with the credit bureau. I have formally disputed these bankruptcies with transunion only to be told that they were verified
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (TX)

Last month I forgot to pay my Discover card payment. First time ( that I can remember ) being late. I wasn't late because I didn't have money, the day just got away from me and I forgot to get on and pay. Since I was already late, I just decided to wait and double up the next payment. I received my statement that said my due date was the following month. ( I've also used and paid off this card several times since I've had the account ) I got online, researched payment options ( because I was curious ) and chose to make my regular payment plus extra. Options were to break down the payment is several different options of time frames, like 4 months, or 2 months etc. Many of those options said the card would be on hold, so not wanting to do that, I elected to make the whole payment in one. My minimum payment was {$400.00}, and I paid {$600.00}. I converted my miles into partial payment and paid the rest out of my bank account. This was on Friday, XX/XX/2024. Over the weekend, on Sunday XX/XX/XXXX I received two random emails. One from " Discover '' and one from " XXXX '' stating I need to give them permission to access my financial information with the IRS. Being an accountant myself, this is a huge RED FLAG. Everything I read, preaches that financial institutions ( even things like XXXX, our electric and water companies ) will NEVER contact you asking for passwords or access to your accounts. So please tell me why this would be acceptable in today 's world of scamming?? I do not feel comfortable giving access to my personal & financial information to the IRS thru random emails. I've never had any financial institution or credit card company ask for access to my IRS account. They told me if I don't do this, then my account will be closed. This sounds like they are threatening me in order to receive my IRS information. That is my PERSONAL information, and no one has the right to access it or demand I give them access. I opened that account several years ago and they did not ask to verify my IRS information. If they were content with accepting what I reported to them myself, then, then they should be content with the information I've given. In today 's world of scamming, I feel like it is very irresponsible and inappropriate for Discover to ask for such things from their consumers and threaten them with account closure for disagreeing.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (IL)

I requested thrice for the student loan data related to XXXX XXXX be removed. I had an automatic approval via XXXX XXXX XXXX XXXX XXXX  which was a letter provided to them. The settlement in this court order, also provided, advised that the account was to be completely discharged, all trade lines removed as if they never existed and including a full refund. The CRA have all stated that Nelnet confirmed this account to be valid when it is in fact NOT. These items are detrimental to my financial wellbeing. The Department of Education has acknowledged to XXXX via letter ( also attached ) that they missed their deadline and have began to blame servicers, leaving all qualified consumers in the middle.
Consumer complaint received 2019-02-17
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (GA)

XX/XX/2018 amount of {$5400.00} XX/XX/2018 {$7400.00} XX/XX/2018 {$4100.00} placed on credit report and affecting my ability to refinance home as well as get my credit together.
Consumer complaint received 2024-01-31
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I brought in a dog to XXXX  on behalf of XXXX XXXX. 

Immediately upon entering the building they ask the question do you authorize us to charge you for treatment. 

My response was this dog is owned by somebody else, please scan the chip she is taking full responsibility for treatment costs. 

A few minutes later I asked how the dog was doing and staff refused to give me any information. They stated because the dog is not yours and weve scanned the chip and confirmed ownership by another person, we can not give you any information about a dog that isnt yours. 

They made it absolutely 100 % clear that they were aware the dog was not mine in any legal or financial capacity. Furthermore they confirmed with me that they were speaking with the owner and had specifically gotten approval for treatment from her. 

Several weeks later, I got an email showing an invoice for this dog with both my name and XXXX name on it that was asking me to give them a signature, but assumed it was a mistake since it was not my bill. I did not sign this bill. 

Shortly after that I noticed that even though I did not sign their invoice, they decided to charge me for the balance anyway using credit card information from my separate account which they had on file, completely without my permission. 

They refused to refund me, then Chase Bank denied my dispute twice stating that because my name is on the invoice it must be my bill even though it also clearly shows the actual responsible individual. 

Im currently without {$1500.00} that theyve taken from me due to this issue, please help me.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Trust Management LLC (CA)

Calls me daily. Someone named : " XXXX XXXX '' also contacted my employer, ALSO is stating she is calling back about an application I submitted. I HAVE NO IDEA what application they are talking about and they possibly put my JOB in jeopardy having them thinking it was a reference check for another job. 

I have NEVER heard of this company, the phone number does not offer the name of the business when you call it, I had to ask several times to get the name of this business and name of the representative that answered the phone after googling and reverse searching the number, they would not give me an answer when I asked if they were a bill collector " i can not respond to that question until I know who I am speaking to '' I asked to speak to a supervisor and overheard her mumbling to another voice before telling me that he was not available.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I paid my gas bill on XXXX/XXXX/2015 at my local bank. I was later toldthat they had problems that day and that my payment did n't gothrough, I realized it when I received my gas bill and it was XXXX. 
I immediately paid the bill when I realized it did n't go through. 
Equifax have me listed for a late payment when it was throughno fault of my own.