davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (CT)

To Whom this May Concern I was told that in XX/XX/XXXX, they will be selling my loan. So I feel that 's why they do not wish to settle it : listed below is my most recent correspondence with regards to my student loan the only information I have is : '' '' XXXXXXXXXXXX attn-XXXX '' '' XX/XX/XXXX Please note that since XX/XX/XXXX, I have been trying to resolve this student loan matter. My loan has been sold and resold over and over again and every time I make contact with the new loan company, I am given a new story. I do not understand why I need to explain a hardship to you in order to get a payoff figure. 

Most company 's want to get paid and yet you seem to want to keep my account open on the books. I have not been able to get anyone to given me a written explanation or a payoff amount and yet when I call you will talk to me all day. I hope all of the phone conversations are recorded and kept because if I can not get a payoff figure I am requesting that all of the phone conversations be produced to show that I have been making an attempt to resolve this matter and that you have been holding on to it and costing me more time and money. 

Please note that I am also contacting all of the local and state agencies to investigate this matter. Below I am writing to you once again with the information you requested from me via phone conversation ; " I XXXX XXXX XXXX, XXXX, address is XXXX XXXX XXXX XXXX XXXX CT XXXX, email address is XXXXXXXXXXXX I was also suppose to give you an explanation and " hardship '' for wanting to pay off my student loan. I still do not understand why wanting to settle my student loan requires a hardship explanation. 

As stated in my last email I wanted to settle my student loan account for {$4000.00} in full by credit card. I am still waiting for an answer and I would like it to be in writing. I have been making contact by email and phone and I have not received any responses. The last phone call I made I was told that I needed a reason to settle my student loan over the phone not in writing. I have a couple of years before I retire and I would like to start preparing for my new journey in life without having a student loan hanging over my head from roughly 30 years ago. It 'd obvious that senior adults are not treated with much regards or respect today. I feel like I am being discriminated against because of my age but we will address that after I resolve my student loan matter. 

I look forward to hearing from you to resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXXXXXX
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Over the last several weeks, I was told by my bank account ( s ) had charge attempts on my accounts. Multiple times I worked with them and they credited my account! Forced me to consolidate into only one checking account. Issued new cards multiple times went through prof of identity at the bank two times. I was working with the fraud department for many hours many time, over several weeks. The last time they allowed the changes. They wont work with me, or listen to me anymore. They claim Im liable? 
This was a Bank Of American account Ive been a member from 2008. The charges are from overseas after they assured me it could not happen again! I have never made a purchase out of the country or used any of the services that the charges were made from!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The account with XXXX XXXX that starts with the following numbers XXXX which is closed because it was paid in full shows 2 late payments which never happened as you can see the account is paid in full. I have contacted XXXX several times and they do not respond to my request, they tell me that it does not appear that I have had accounts with them. Please if you can help me remove these from my report. Thank you very much. 
Account closed paid in full XX/XX/scrub>XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Today I called and spoke with Supervisors at Equifax regarding unauthorized inquiries on my credit report. I have contacted the Creditors hundreds of times and have even been advised they dont have anything with my name on it. There are multiple inquiries on my credit report that I do not recognize. I was told to file a complaint with the FTC ( you can ONLY file a complaint online with the FTC and they provide you with a report number ) and also send in a copy of my ID and social security card VIA FAX which I am attaching. Please remove the following inquiries from my report. 
See below XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (PA)

On XX/XX/2023, I realized I physically did not have my card on me and took a look at my account and noticed some atm withdrawals were take out of the account that were not done by me. Then I locked the card from the app on my phone. A couple hours later I received a notification that someone tried to take {$400.00} out of my account. I called and cancelled the card, filed a dispute and let Chime know that I needed the money asap. Every time they suppose to give me a credit, they email me with a final decision within the 10days. They are just stalling and finding every reason not to give me my money. They also refuse to provide me with supporting documentation. Please help me get my money back. I have supplied them with several documents and enough is enough.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The 3 credit bureaus are reporting my account incorrectly, It shows a past due balance and a charge off. I have asked them over and over to remove this account but no progress yet. XXXX, XXXX and XXXX claim that the debt has been verified and that it beongs to me.
Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the Equifax and XXXX records are still reflecting a {$2500.00} balance owed. I contacted XXXX  to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (GA)

While looking at my credit reports I have noticed my " XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has a discrepancy in the " Date of Last Activity '' section of the listing. XXXX is reporting a date of XXXX. '' XXXX is reporting " Date of Last Activity '' as XXXX and Experian is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' XXXX is reporting * {$13000.00} Experian * {$0.00} and XXXX XXXX. " PAYMENT STATUS '' XXXX is reporting LATE 120 DAYS. Experian is reporting CURRENT and XXXX is reporting LATE 120 DAYS. " LAST PAYMENT '' XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX " PAST DUE AMOUNT '' XXXX is reporting {$3000.00} Experian is reporting {$0.00} and XXXX is reporting {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX ( XXXX XXXX XXXX  XXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is showing a fraudulent account on credit report which is illegal also allowing for business records to be falsified a fraudulent name was added to my credit profile without my knowledge or notification account should be deleted immediately as it is fraud
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I received a mail offer for a 0 % balance transfer for a promotion period of 1 year. I went to my account and clicked the link for this transfer. I initiated the credit card transfer from XXXX to Navy Federal Credit union XX/XX/XXXXfor the amount of {$3500.00} and the entire amount was accepted. My statement endingXX/XX/XXXX had total activity amount of {$7500.00} which included the balance transfer amount. I figured if I paid all purchases for that statement which was due XX/XX/XXXX then there would be no interest accrual. I paid {$4100.00} but my actual purchases were {$4000.00}. I paid extra to put some toward the balance transfer balance. My statement ending XX/XX/XXXX had an interest charge of {$11.00} but I could not understand why. I contacted XXXX XXXX  XX/XX/XXXX to get some clarity but it made no sense so I sent a reply and further explanation on XX/XX/XXXX but I still had not received another response byXX/XX/XXXX so I decided to call. I explained as above about the interest and he said if my full statement balance had been paid then there would be no interest. The full statement balance included the balance transfer that was suppose to be 0 % interest for 1 year. I explained I transferred to avoid interest but instead still being charged interest. Ultimately I told him I wanted my {$11.00} and he agreed to credit ( it would show up in about 2-3 days ). He further explained interest would be charged again if the entire balance is not paid to include purchases and the balance transfer amount. Bottom line I found this to be a very sneaky way to charge interest because what is the point of 0 % interest balance transfer.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX of this year i wrote a letter to Transunion, XXXX XXXX XXXX to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. Transunion XXXX XXXX Followed up with another Letter 14 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX XXXX to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal XXXX Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. XXXX XXXX XXXX Transunion, XXXX XXXX XXXX is Still Denying me of my XXXX XXXX XXXX XXXX their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NM)

In XX/XX/XXXX I made a purchase at Ashleys furniture store. I was originally told that I was approved for three years interest free. Because the original purchase did not result what we wanted as the furniture was not all wood, we returned that furniture and got another set that was more expensive. The total amount was {$3100.00}. I was not aware that the difference in cost was put in another plan. The other plan was a 24 month deferred interest for amount of {$1200.00}. The total minimum payment was {$84.00} for the full amount owed. I set up automatic payments of {$100.00} per month with the idea that I would have the account paid off in 32 months. In XX/XX/XXXX, the deferred interest for the {$1200.00} was added and now I am paying for monthly interest as well. I should have paid off this account on XX/XX/XXXX. Not given the option of distribution of payment for these two plans has made it difficult to pay off the account and it is frustrating because it should be paid off if they would have kept all of the balance on the original 3 year interest free plan. The distribution of payment should have been 23 payments to the deferred plan of XXXX and one payment of {$51.00}. For the three year interest free portion of {$1900.00} the payments should be ( {$48.00} x XXXX ) + XXXX XXXX leaving a balance of {$760.00} that would be paid off in 8 months.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (IN)

My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the CFPB. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (WI)

On XX/XX/17 my XXXX XXXX collection account balance was settled in full with EOS CCA, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and XXXX records are still reflecting a {$2500.00} balance owed. I contacted EOS to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from EOS CCA ( password XXXX ) and letters to XXXX ( local and national ) are attached.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I received a bill from a LVNV Funding LLC ( XXXX XXXX XXXXXXXX ) for a bill they say I owe. All my bills and loans are always payed in a timely manner. They say I owe an amount of {$1300.00}. I never received a bill from the company. The only information was this bill from this funding company. When I checked with XXXX this loan is listed as not being paid from LVNV. I never received a bill from XXXX XXXX  XXXX XXXX  When I called XXXX bank they had no information at all to verify this loan, and the same with XXXXl. They are ruining my credit with with a debt that does not belong to me
Consumer complaint received 2023-05-11
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. (OH)

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete all accounts immediately : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-05
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

AllianceOne lists XXXX bills in collection for XXXX debt greatly impacting my credit score. When contacted to dispute the accuracy, they refused to remove the duplicate items. They list almost {$1000.00} in XXXX separate medical debts from XX/XX/2011, when there was only XXXX debt for XXXX the amount.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While looking at my credit reports I have noticed my " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has a discrepancy in the " Date of Last Activity '' section of the listing. Transunion is reporting a date of XXXX. '' XXXX is reporting " Date of Last Activity '' as XXXX and XXXX is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' Transunion is reporting * {$13000.00} XXXX * {$0.00} and XXXX XXXX. " PAYMENT STATUS '' Transunion is reporting LATE XXXX DAYS. XXXX is reporting CURRENT and XXXX is reporting LATE 120 DAYS. " LAST PAYMENT '' Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX " PAST DUE AMOUNT '' Transunion is reporting {$3000.00} XXXX is reporting {$0.00} and XXXX is reporting {$3400.00} XXXX  ( XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX FST XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  ( ACCOUNT NUMBER : XXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX  ( XXXX XXXX XXXX XXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.