davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX credit cards/XXXX XXXX Florida XXXX XXXX XXXX XXXX on my credit report in which I did not authorize. I want this off my credit report please with your assistance.
Consumer complaint received 2024-10-18
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. (FL)

his account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  number XXXX ( XXXX XXXX )
Consumer complaint received 2024-10-03
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. (NY)

Im filing this report today because I was the victim of identity theft. An individual, entity, company or corporation has opened accounts without my knowledge. They enriched themselves on my credit without my knowledge, consent or authority. The following accounts are tied to the identity theft and are in such fraudulent. I need the following account ( s ) removed or blocked from my credit report. Im aware that filing a false identity theft report opens me up to possible criminal & civil penalties. I understand under the penalty of perjury Im liable for such statements. This statement is my factual understating of the events : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX 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 2024-10-03
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. (NY)

Dear, Experian I am writing to formally dispute unauthorized or fraudulent inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. Please remove this unauthorized inquiries from my credit report. They are hurting my ability to obtain credit.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit. 

This account has late payments that I never had and violates my rights as a consumer. 

Also based on the laws that protect me as a consumer, I see that this account is updated every month, which is illegal.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

15 usc 1681a ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was not notified, nor did I give permissible consent to add an account without the purchase agreement and report negative items
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The XXXX XXXX debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX XXXX and medical and XXXX
Consumer complaint received 2023-04-29
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. (GA)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX  XXXX XXXX and the credit bureau Experian. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

**Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

**New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (DC)

My name is XXXX XXXX, and I am writing to formally complain about the missing {$300.00} account opening bonus I was promised when I opened my first checking account on XX/XX/year>. At the time, the customer manager assured me that I would receive the bonus if I received a total of {$1000.00} or more in qualifying electronic deposits within 90 calendar days of opening the account. I used this account as my payroll account, and my company has been electronically transferring funds to this checking account, so I am certain that I have met the bonus requirements. 

Furthermore, the customer service representative also took my bonus offer code ( XXXX ) at the time of account opening. It has now been over XXXX months, and I have not received the {$300.00} bonus as promised. When I called to inquire about this, I was informed that I do not meet the qualifications, which I believe is incorrect and unfair. 

I find this situation very concerning and believe it is misleading and deceptive. I trust that this can be resolved swiftly and fairly, as I have fulfilled all the necessary requirements for the bonus. Please review my account and provide the {$300.00} bonus as initially promised. 

I look forward to your prompt resolution of this matter. If I do not hear back within a reasonable time frame, I will be forced to escalate the issue.
Consumer complaint received 2017-12-28
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: Monterey Financial Services LLC (NY)

An account was open fraudulently with XXXX as the original creditor who than sold the account to Monterey financial services a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my XXXX credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

I recently reviewed my credit report and noticed some unauthorized accounts on there. The XXXX unauthorized accounts were XXXX XXXX XXXX and XXXX XXXX. After contacting both creditors and equifax with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the XXXX unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have several liens reporting on my credit file by this company. XXXX and XXXX are not reporting any lien. upon checking my credit report I downloaded today, there is no way to verify that these liens belong on my credit report. The only information reported is a reference number, amount, filing date. I then called Transunion today, XXXX XXXX, XXXX and spoke to a representative, XXXX. I questioned him about the issue. XXXX claimed that what we see on the credit report is also what they can see, meaning they do not see my DOB, SSN nor address linked to the liens they are reporting. I questioned XXXX about the XXXX XXXX XXXX  program and told him that if Transunion 's system does n't show my DOB, SSN and my address, the liens should have been removed last XXXX XXXX, XXXX. XXXX claims that the standards have been applied to the system already and remaining liens where verified. The question is how was it verified if they do not keep records of DOB, SSN or address associated with the liens? He then said they verified the information directly from courthouses electronically. I do not think that the liens reference # s, XXXX, XXXX and XXXX belong on my credit report. He initiated the dispute over the phne and provided me with a file number # XXXX
Consumer complaint received 2017-12-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (NV)

On XX/XX/XXXX, 2017 XXXX XXXXXXXX XXXX XXXX , XXXX contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested XXXX XXXXXXXX XXXX XXXX, XXXX to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request XXXX XXXX XXXX XXXX, XXXX provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you XXXX XXXX XXXX XXXX, XXXX I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well. 

The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b  The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged rapid cash creditor and I received communications from XXXX XXXX XXXX XXXX , XXXX without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (IL)

I spoken to discover many times and I ask then to help me out since I 'm still experiencing a hardship financially on my minimum payments. 
I ca n't afford the minimum payment is to high. I ca n't not pay XXXX and up its to much 5 months ago discover enrolled me in a plan which help reduce the interest rate lowered as low as 9 % or 7 % or lower. I was told that if after the 5 or 6 months they gave me if I was still struggling and if my emergency and financial situation was the same that I could contact discover back to enroll for another 6 month or 1 year depending on the offer they can get me. I am very upset because discover denied me the help I need. I need help now. My intention and priority is to pay all My statement balance in a period of time little by little but having just the minimum payment been high it is difficult for me and ca n't afford that payment and interest at this time. I wish my payments was as low as 30.00 to 40.00 each month like the 5 month or 6 I was only paying XXXX It was very helpful. 

I was also promise no late fees and u was also promise no interest charges for the 6 or 5 months but I did got interest charges fees and I told discover why if they promise to wave those 6 month or 5 of no interest charges on purchases but they still did. My account did n't changed much because they lied on not charging .e the purchase interest charges that is why it did n't lowered .Y balance as I have a XXXX payment rhe interest purchase charge was 35 to 45.00 so not a big change. This is approximately. 
I feel rejected and I feel left behind moments like this is wen I need help the most.
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Porfolio Recovery Associates is in accurately reporting two accounts on my credit profiles that the have not verified belongs to me. I have sent multiple correspondence directly to Portfolio Recovery Associates, Credit Bureaus, and by XXXX XXXX asking that Portfolio Recovery Ass. verify that the are legally able to collect said debt. In each request I ask for Portfolio to verify the account belongs to me by sending identifiable information that shows that the debt is legally mine. Portfolio Recovery caused financial distress in my life and continues to defame my name. There unwillingness to provide we original documentation showing where the debt is legally mine violates FCRA laws and is causing harm to my consumer rating. Reps of there 's were rude on the phone, have contacted members of my family, and ruing my financial reputation. Because of their unverifiable, in accurate, and misleading reporting, my credit rating has severely being damaged
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

My Odyssey of torture continues!!! With no way to update ongoing complaints I have to open a new one again. Complaint # XXXX and Complaint # XXXX. Equifax continues to inaccurately report a Social Security Variation. I just received a letter from Equifax stating that The disputed variation of the social security number has been deleted from the credit file. Well NO it has not! I also just received another Equifax credit report with, drum roll, the dreaded Social Security # Variation reported on it! If the SS # Variation has been deleted from the file then it should not appear on the Equifax credit report now or ever in the future!!! Please, please, please someone end this MADNESS! Help me to regain singularity in my identity!! ONE SS # per person Please!!!
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX XXXX, Portfolio Recovery placed a collection notice on my credit reports. This was their first and only action against me. They did not make any attempt to collect this debt from me or gave me the opportunity to dispute it. The facts are as follows : I made an arrangement with XXXX XXXX to repay the credit card debt. I paid it down to {$1600.00} according to the plan. Then I was unemployed with no income for the entire summer. I wrote XXXX XXXX to tell them to stop taking the payment out of my account as it kept being returned for NSF. They complied with my request. 

In XXXX, I applied to XXXX XXXX for a credit increase to fix my house for sale and it was denied based on a " seriously delinquent '' account. When I checked, I saw Portfolio Recovery had place a collection notice for {$1900.00} on all of the credit bureaus. I wrote them a Cease and Desist letter requesting that they remove it but they ignored me. Also, I disputed it but it was not removed. This company never contacted me at any time prior to placing it in collections which violates my rights as as consumer. Also, the amount is incorrect and XXXX XXXX has it listed as a charged-off debt with the credit bureaus. Therefore, Portfolio can not have the same debt listed again with the credit bureaus. This makes it a duplication and lowers the credit score.
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2017-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NH)

For the past month or so I have been harassed by Navient XXXX XXXX XXXX via e-mail, phone and text messaging. I get at least 3 calls a day from both automated systems and regular people stating that my loans are past due when they are not. I called Navient two weeks ago and I was told that it was a glitch in the system and that it would be corrected within 24 hours. It has not. I called again today and XXXX XXXX verified my accounts and told me that everything looked up to date and again blamed it on a glitch in the system. I have emailed and asked them to stop and I receive an automated response asking me to call them. This is unacceptable, Navient is a joke!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Items that have resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's XXXX  me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Last nigth around XXXX XXXX i get a email with a alert that some one try to open a Kohls/capone store charge card, so i call the company and they transfer my call 7 time, because of this, low service not helping at all people information, i call the Corporate Department, now here they transfer my call to another office ware no one can pick the phone. Some one steel my information in XXXX, ... .and i report this to credit credit bureaus..nut i also need some paper work from Kohls.