davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (TX)

As a victim of hurricane Harvey ( XX/XX/XXXX ),  SunTrust bank granted me a forbearance. A letter dated XX/XX/XXXX set out the terms of the loan modification. At which time, I followed all of the terms of the agreement which was to begin paying my loan back at an amount of {$780.00} beginning XX/XX/XXXX. According to my payment record from SunTrust which I can provide, my payments were applied on time and were never late. Now Suntrust is reporting 6 months late on my credit as if XX/XX/XXXX. Ive tried numerous times to explained to untrained associates that this was not correct and that a glitch in their system caused all of my payments to be refunded, which I promptly returned along with the current payment due. I have provided dates of my payments and of letters I received outlining the terms of the agreement. All to no avail. Ive disputed through the credit reporting agencies, To which SunTrust responds with dispute resolved and a comment that is irrelevant, such as fixed rate. Their negligence is affecting my ability to financially and emotionally recover from this tragic storm. I do not want to see anyone else become a victim of their inefficient and ineffective processes.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2021-02-05
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. (OH)

I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

on XXXX2021 I sent a letter out over 30 days ago stating that I was in violation of my rights as a federally protected consumer in pursuant to U.S Code 1681a ( 2 ) ( B ). These credit reporting agencies are also in violation of 1681b ( 2 ) which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with the written instructions of the consumer to whom it relates ''. I, XXXX XXXX, did not give these credit reporting agencies any written consent to report anything on my consumer report, no consent is considered identity theft and also violates my right of privacy.
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (FL)

Northland group sent me a letter attempting to collect a debt. I sent a debt validation letter that they received on XX/XX/XXXX,2017 asking them to validate the debt. Legal debt validation is a complete payment history, an agreement that bares my signature, letter of sale or assignment from original creditor to their company, a signed agreement that bares my signature with authority to collect on this debt, information relating to the purchase of this debt is not proprietary or burdensome. Under FDCPA section 809 ( b ) Northland Group is not allowed to pursue collection activity until debt is validated. Courts ruled that reporting a collection account indeed is considered activity.
Consumer complaint received 2024-09-17
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. (MD)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-06-11
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: AmeriCollect (GA)

XXXX XXXX Reported : XX/XX/2019 {$230.00} AMERICOLLECT INC Reported : XX/XX/2019 {$130.00} There  are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ' XXXX XXXX XXXX ' I XXXX XXXX ' XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXX XXXX CT XXXX CA XXXX XXXX ' XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXX AV XXXX XXXX, CA XXXX ' XXXX po XXXX XXXX XXXX, CA XXXX ' XXXX XXXX  XXXX XXXX CA XXXX ' XXXX XXXX., XXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXX XX/XX/XXXX ' XXXX XXXX XX/XX/XXXX ' XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX Inquired on XX/XX/XXXX ' XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX XXXX .... Balance : {$0.00} ' XXXX XXXXXXXX XXXX XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX  XXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ' US BKPT CT CA XXXX XXXX Date filed XX/XX/XXXX ' XXXX  XXXX bankruptcy XXXX Filed on XX/XX/XXXX XXXX number : XXXX XXXX : U.S. Bankruptcy Court
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
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: Avant Credit Corporation (TX)

Avant, Inc. who I have a personal loan with improperly submitted information to the credit reporting agency stating I was 30 days past due on a payment. I was never notified that the company was contemplating placing the account in a late status which is in direct violation of the Fair Credit Reporting Act. This regulation states that I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be  included in a billing statement or a notice of default. I was never contacted by this company prior to this information being reported to the credit reporting agency.
For clarification purposes, this complaint is against Avant, Inc. and the information this company inappropriately and erroneously sent to the credit reporting agency.
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (NY)

I have information that does not belong to me in my report and it is harming me, I want it to be removed from my history. 



XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-01-19
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Financial Solutions Group, LLC (FL)

XXXX XXXX  notified me about a credit card problem. Believe now it was pushing call. Connected me to case manager at National Protection Bureau talked debt settlement and connected me to Financial Solutions Group. XXXX. 
Spent hour on phone talking to XXXX XXXX XXXX. He transferred me around and then disconnected. 
I then got a call from XXXX at XXXX XXXX XXXX in NJ XXXX. She said I referred to them, not sure by whom. I explained it all to her. She felt that I was scammed.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent the Credit Bureaus letters on XXXX-22 asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
In accordance with the Fair Credit Reporting XXXX  Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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.

If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Here is the accounts : XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (MD)

I'm putting down to give my XXXX concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (TN)

XXXX2011 for {$320.00} I called the company Pinnacle Credit Services told them several times that this account is not my account because address does not match, city does not match, & I already have a account with XXXX so how do I owe them & I already have account already for 8 years does not make since, Told Pinnacle Credit Services to remove this account from my credit report several times as of today the company has not did so total illegal what this collection company is doing, Pinnacle will say anything to keep the account on credit report even do its not your account.
Consumer complaint received 2020-08-25
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (IL)

I have a loan with SYNCB/LOW, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/LOW, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Leap Credit, LLC (SC)

In XX/XX/XXXX, I applied for and received a loan from Leap Credit. The interest rates were high, however the payments were made for the account. On XX/XX/XXXX I received an email stating Leap Credit had reduced their rates, and in line with the change I would be receiving a refund in the amount of {$600.00} to be processed immediately, and I would receive it within 2-3 business days. There was no prior notification that a refund would be issued, and if there had been I would have informed them that the bank account used with their company was no longer open. I placed a call to Leap Credit on XX/XX/XXXX, and indicated that the refund was never received and the issue of the bank account on file being closed. I was told the information had to be reviewed by another department. I received an email asking for a bank statement to verify that I never received the refund. Again, the bank account was previously closed, and therefore I do not have and do not receive statements for this. I called again to let them know this. I was told the information would be reviewed. I did not receive an update, and called back on XX/XX/XXXX. I explained the situation again, and at the time the representative took my new bank account information to save instead of the old, closed account. On XX/XX/XXXX I contacted their customer service again, and was informed there were in fact 2 refunds issued, one for {$600.00} in XX/XX/XXXXbut also one for {$140.00} in XX/XX/XXXX that I also did not receive due to it being sent to that old, closed bank account. I was told in their system the payment of {$140.00} did show as returned to them by my bank, but the {$600.00} did not. I was advised yet again that the finance department would review the information, but until then I would not even be reissued the refund that they could clearly see I did not receive of the {$140.00}.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase bank has sent me a letter to close my personal bank account and when I call in they have no reason why and the letter I received is treating me that they may close my other accounts ( Business and Credit Cards ) and I am and have been current no bad checks etc ... I want to prevent this from happening I have all my credit cards coming out in auto pay this is a disaster. I need help ... If they close my Credit cards ( 2 ) than they are going to tank my credit that I need to conduct my business.
Consumer complaint received 2023-01-20
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. (VA)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false, inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting. 
agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOWS : XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter