davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have made numerous complaints regarding this account, I have made the complaint to XXXX XXXX it's self and all three of the credit bureaus. 
I currently have a complaint that is in progress, regarding this account regarding all the inaccuracy I have found since I have been working on this account. 
This account has been removed and placed back on my credit file over XXXX times and not one time did either of the credit bureaus notify me within five days that they were reinserting that account on my file. 
On XX/XX/2023 I received a letter in the mail from Experian stating that my account has been verified and updated but as I look at the reported, they are still reporting that I had a charge off XX/XX/2023. This inaccurate information that caused me to have a loan denied earlier this month from XXXX XXXX, after disputing this information XXXX times and they have not got it correct, this account should be REMOVED IMMEDIATELY. 
This account is currently under dispute but, they sent keep reporting inaccurate information. 
XXXX sent out a letter that I received today XX/XX/2023 from XX/XX/2023 stating that they have updated my account from XX/XX/2023 but the account is reporting inaccurate information.
Consumer complaint received 2023-10-16
Product: Credit reporting 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. (FL)

These accounts in my report are hurting me because they are fraudulent. 


XXXX  XXXX XXXX XXXX XXXX  XXXX {$580.00} XXXXXXXX XXXX  XXXX {$3400.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2020-01-28
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: ONLINE Information Services, Inc. (FL)

For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2023-10-14
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. (AR)

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.

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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

er 15 USC 1681. 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 2023-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX from XXXX XXXX was very rude. I have no idea who these people are or how they got my number. Called the number and tried to find out who was calling and was spoken to in a fashion that is and will not be tolerated. I am a veteran and I will not have my place of employment investigated nor my home address for fear of safety. I will protect myself and home at all cost. That type of behavior is uncalled for.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RESEND

On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (HI)

- XXXX XXXX started school  with approved $ XXXX loan. 
- XX/XX/XXXX paid back first $ XXXX, $ XXXX interest was refunded to me due to quick payment. 
- XX/XX/XXXX paid remaining XXXX, loan bought to {$0.00}. 
- XX/XX/XXXX Called student loan provider due to communication on student loan forgiveness being distributed by media, they stated I qualifed for student loan forgiveness based on payment made in XXXX Info given on money being sent to me via mail or direct deposit. Requested for mailed check for paper trail. 
* no communication on ramifications or parameters for this money at this time. 
- XX/XX/XXXX received $ XXXX direct deposit into my account, called XXXX to confirm where deposit came from, they stated looked like form government, first calling student loan provider could not get through, multiple hang ups. 
- XX/XX/XXXX received an email stating I have a monthly statement for payment due on XX/XX/XXXX, called student loan provider to rectify. 
- XX/XX/XXXX called again to get info on this email I received and what they can do as I don't have a loan, I was advised I'd receive email with a link to file a complaint, no email received. 
- XX/XX/XXXX called again and was told I could file a complaint with her verbally and I did, nothing sent in writing to me. I was told someone would contact me on XX/XX/XXXX. 
- XX/XX/XXXX called back again due to no communication, I spoke to 2 ppl, customer service and supervisor repeating that I had a loan that needed paying and I received a refund not student loan forgiveness and need to pay it back with interest, asked why I didn't receive direct communication on the circumstances, told it was send to my student loan provider account digitally, I didn't check it as I don't have a loan outstanding. I requested for phone call to be pulled on the day I called asking for student loan back in XX/XX/XXXX. 
- XX/XX/XXXX they finally call me back to say must pay back loan and the refund is now a loan that must be repaid and I can request for an advocate to further discuss. I was told it would be implied that my refund would be a loan that needed repaying. I clarified that I request for student loan forgiveness not a refund or loan. I did request but haven't received any writing communication on anything as any point in time over the last month on my requests for rectifying. 

Note : - Lack of transparency on refund not forgiveness. - Did not explain refund parameters instead of forgiveness, nothing esle told to me and nothing in writing of the conditions of agreeing to refund or any parameters for it to be repaid as a loan.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

Harassment phone calls. Calling XXXX times a day before due date has even past. Calling from multiple numbers as well. When asked to stop calling me multiple times in a harassing way I was told to pay my bill and it would stop. My due date for my payment wasnt due for another XXXX days! Absolutely a nightmare dealing with this company
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IMMEDIATELY. CREDIT FREEZE WAS PLACED ON ALL BUREAUS.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (MI)

I am writing to express my concern and dissatisfaction with the manner in which my recent dispute over unauthorized transactions has been handled by Key Bank. 

On XX/XX/XXXX, I disputed two transactions with Key Bank institution : one for {$700.00} and another for {$9.00}, both from the same merchant. As per 15 USC 1693f, they had ten business days to investigate my claim and mail results within 3 business days. I received findings in the mail during the week of XX/XX/XXXX, but the findings only addressed the {$9.00} charge, which was denied. There was no mention of the {$700.00} charge, which is a clear violation of 15 USC 1693f requiring financial institutions to provide a written explanation of their findings within 3 days. 

Furthermore, the law under 15 USC 1693g say they didnt conduct a proper investigation. I just want answer to why was I an consumer have to be violated and why Key Bank isn't in compliance with the law? 

I spoke to a supervisor today who is very helpful by the name XXXX. She directed my call to a lady name XXXX in the Executive department.
Consumer complaint received 2020-01-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (OH)

Fraudulent application of payments. 


I took out a personal loan in XXXX XXXX and I enrolled in automatic payments. In XX/XX/XXXX, I made additional payments of {$200.00} but the principal balance showed the wrong balance. I also made another additional payment of {$500.00} and still the balance reflected wrong. 

When I noticed the errors in XX/XX/XXXX I made a call to discover bank to make a complaint, and they told me there was a problem with their system so it not did apply the automatic deductions to both principal and interest and they were going to fix it. 
In XX/XX/XXXX, nothing had been done, I made another call and they promised another review. Still in XX/XX/XXXX, the same problem was still occurring and I was prompted to make another follow up call. I was given the same lame excuse. I finally asked them to explain to me in writing what happened and also tell me how they are going to fix it. 
Fast forward XXXX, XX/XX/XXXX. I see the same problem, My principal balance has been static on the same amount for 6 month. I made the last call today and Informed that I will be filling a complaint with CFPB. 

My major problem with Discover personal loans department is that, Interest is computed based on the daily running balance. So for them to present me with a wrong running balance since XX/XX/XXXX and a static balance since XX/XX/XXXX means they are charging me more interest. They also never alerted me of the error even after discovering it, they never presented their explanation as requested in writing. 
This to me is kind of a fraudulent application and representation of the loan. 

It is for this reason that I am filling this complain to have it resolved. 

Thank you. 

Sincerely XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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, 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

TO WHOM IT MAY CONCERN, I pull up my credit report today and I have several account that is reporting incorrectly. 
I have XXXXXXXX XXXX ACCOUNT # XXXX reporting date last payment XX/XX/XXXX and Experian XX/XX/XXXX and XXXX XX/XX/XXXXXXXX 

Per the credit reporting act the account should be accurate across all the bureaus so which one of you guys reporting the correct dates? I know all of you can't be right because the reports are not accurate across the bureaus. 

Another error on this account # XXXX reporting on XXXX as a DEROGATORY, XXXX as PAID, and Experian as PAID. So, again which one of you guys is reporting the correct report? All of you guys can not be correct because the report is not accurate across the bureaus. 

I need this account to be REMOVED IMMEDIATELY because it is not ACCURATE.