davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (PA)

These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The ITEMS stated below are still reporting on my XXXX and TransUnion credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with XXXX and TransUnion Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I was recently notified that credit was requested from XXXX and XXXX. I am currently XXXX with the XXXX XXXX and have not requested credit from either of these sources. I am trying to remove both hits from my credit report as it should not be shared with others and should not affect my credit score because it was not me placing the requests for credit. I have also placed an XXXX alert on my account. When I contact Experian at the phone number provided to place the XXXX XXXX alert it took multiple calls as I was hung up on without ever being given the option to place the XXXX XXXX alert or speak with a person. I finally was able to find my way through the automated system to place the XXXX XXXX alert but have been unable to find a way to dispute the XXXX and XXXX credit checks that appear on my credit reports. Both XXXX and XXXX have acknowledged that neither requests for credit were actually requested by me. 
Thank you
Consumer complaint received 2016-04-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (WV)

TJ Maxx serviced by Syncroney bank just put a negative result on my credit report stating that my account was delinquent and they had closed it. I have been negotiating with them for a long time they posted a XXXX XXXX from North Carolina charge on my account for over XXXX I told them this as not my charge and I lived in XXXX not XXXX. I asked for a detailed account statement and I do not owe them anything I should get an attorney because they have damaged my credit and I am not a happy camper
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX USDOE/XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-26
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: Sequium Asset Solutions, LLC (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 U.S.C 1681 CONTRACT CALLERS, I XXXX XXXX Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (MD)

XXXX collection was removed after I sent Their collection dept ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. I believe XXXX HAS IT OUT FOR ME. WHY ELSE WOULD THEY KEEP TRYING TO RUIN MY CREDIT. WHEN I FIRST CONTACTED THEM AND ASKED FOR THEIR HELP. THEIR COLLECTION AGENT TOLD ME " I SUGGEST YOU KEEP THESE ACCOUNTS OPEN TO AVOID EARLY TERMINATION FEES ''. I TOLD THEM ARE YOU SERIOUS YOU WANT ME TO PAY ON THESES FRAUDULENT ACCOUNTS UNTIL THEIR CONTRACT EXPIRES. THEIR ANSWER WAS " YES '. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE. FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME for ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX ON XXXX/XXXX/2015 I CALLED XXXX TO APPEAL TO THEM FOR HELP AND TO ASK WHY THEY POSTED THE COLLECTION BACK ON MY REPORTS THEIR ANSWER WAS. " THE DEBT IS STILL OUTSTANDING AND THERE IS NOTHING WE CAN DO FOR YOU ". THEY OBVIOUSLY DO N'T CARE ABOUT ANYONE. ALL THEY WANT IS MONEY. IN MY OPINION THEY KNOW I AM TRYING TO GET A HOUSE AND THEY THINK I WILL PAY THE COLLECTION JUST TO GET RID OF IT. IT WILL BE A COLD DAY IN XXXX BEFORE I DO THAT.
Consumer complaint received 2023-04-26
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. (NV)

I have on numerous occasions that reporting my bankruptcy is illegal and violates privacy acts. XXXX is at fault as well for allowing you XXXX for using my personal business.
Consumer complaint received 2023-04-26
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. (MS)

I contacted XXXX, XXXX XXXX and XXXX, and experian regarding information listed on my credit report such as name, address, ssn, inquiries, accounts. They have compromised my identity yet again and continue to list ssn and other identifiable information including accounts not listed in my name or belonging to me on my credit report. A ssn ending in XXXX is listed on my report along with the name of the individual. Not only is this listed under me I have an active fraud alert and police reports due to this dated back to XX/XX/XXXX and XX/XX/XXXX being the most recent. These companies were notified of these police reports and continue to compromise my safety and identity. They have accounts on my credit file tied to addresses in which I have never had accounts or live. They have information on my credit over 10 years old and continue make updates to account monthly listing them as charge offs that are inaccurate! I have recordings of ever person I spoke with by phone!
Consumer complaint received 2023-04-26
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. (FL)

I am interested in processing disputes on my credit report with experian to remove and delete all inaccurate information that is hindering my file an causing denials in approvals on applications. checking all information listed all errors need to be deleted an corrected. this has been an on going issue. please review an remove the items listed asap.
Consumer complaint received 2015-08-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (IL)

I contacted my loan servicer American Education Services to discuss my student loan, particularly debt settlement. They advised it was n't an option due to my various lenders. I asked for the name and contact information of the actual bank that owned my loans. A supervisor got on the phone and told me my loan is owned by XXXX National Collegiate Trust but they denied having any contact information for me. They said the most they could do was send me the promissary note. I think the servicer should have actually have to be able to provide me with contact information for the actual lender. They said they did n't even have a general phone number. I have n't been able to find one on the internet, so I have no way of being able to contact them. I requested the promissary note, but it has n't been sent. I understand that no one has to agree to debt settlement with regard to my loan, my issue is the lack of information and transparency.
Consumer complaint received 2018-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

I have had nothing but problems with my bank over 4 years ago checks were sent to an incorrect address after my address was updated with the bank the person living at the address used my checking account to pay their bills I had to open a new checking account at the time the bank promised that I would have a no fee checking for certain balances and no fees for checks I have recently discovered that I am being charged XXXX for checks I don't feel as though these charges should be charged to me I would like them to be refunded to my bank account
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

i mobile deposited a check XX/XX/XXXX XXXX the bank held it for 8 days as a precaution. after the 8 days the bank asked me to come in to verify my idenity.so i did the following monday.soon as i went in i was treated as i was a criminal.i had all documetion for my deposits and idenity it was at this time that they said they were closing my account. i feel i was racially profiled as a result to my ethnicity. i was embaressed as i was treated diffrently from other customers. i still havent got a check for my account balance. evrytime i call i get the run around from the bank. u.s bank.
Consumer complaint received 2023-04-26
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 2023-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I never received a product or bill statements. Spoke with company and they started they would look into it i sent over all information i have to prove i never received the product, they told me they would place my account on hold and give me a follow up call or mail/email. A week later i started getting calls from a collections agency and also a voicemail stating if i didnt call back they had no other choice but to escalate the situation and also brought up and attorney Im guessing to scare me that i would be sued. I called them and they advised the company denied my request to look into my missing product. I am paying for a product i never received and i am still getting calls!
Consumer complaint received 2023-04-26
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$32.00}
Consumer complaint received 2018-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

A couple years ago we Navient to see how we could lower our monthly payment. We were told by multiple reps that we were on an interest only plan and it was going to change to a much higher payment. We were told on multiple occasions that there wasnt an alternative option until we finally spoke with a rep that was able to place us on an extended payment plan to lower our payment but said it would add 15 years to our repayment schedule. We were told there may be other options available but they would need to speak with the borrowers parents to discuss ( we were XXXX at the time and no longer dependent on our parents ). We were told that we could always change our plan at any time. In XX/XX/2018, we called in because our payment had increased by over {$50.00} in the past 2 years. The rep did some digging and came back only to advise us we were on a variable interest rate. We were never told we were on a variable interest rate plan until we called in XX/XX/2018. We never questioned it because our payments only increased by very small amounts. We asked if we could move to a fixed repayment plan and were advised its not an option unless we lower the repayment period ( and it would significantly increase our monthly payment ). The rep told us on XX/XX/2018 that our payment would never go higher than {$440.00} based on her calculations. As of our XX/XX/2018 payment, our payment was {$440.00} ( and was {$440.00} again in XXXX ). Our payments continue to increase and we fear it won't end. We are tired of being lied to and tired of being tricked to believe what this company tells us. I've attached our payments to this company over the past 5 years
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

Paid for a product not received on XX/XX/23. Total amount of {$110.00} for tickets that were to be transferred to me after exchange of funds via Zelle. Transaction was made via Zelle, but no product received. Have screen shots of conversation between myself and the scammer. All profiles of this scammer/thief have been deleted off of XXXX platform and XXXX. Currently trying to dispute with my financial institution under Regulation EXXXX Scam was initiated on XXXX platform. Attached is the screen shot showing the transaction of my funds being transferred. Have more screen shots if needed.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (TX)

XXXX created an account ( XXXX ) for me and started charging me without sending any sim card or providing me any services ( between XXXX XXXX XX/XX/XXXX ), every time I called their contact center they agreed that I should not have been charged because they never offered me any services. And 4 times then promised me that right team ( at the back-office ) will waive off the due amount. But it was never addressed. I have escalation ticket - XXXX XXXX for my last conversation. 

In Spite of all the commitment I am now getting calls from collection agency called Frontline asset strategies ( with account XXXX ) asking me to pay the debt and they are refusing to come on a conference call with XXXX XXXX. 

Request you to please help me with this malpractice from XXXX XXXX.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (TX)

I have sent two request to SunTrust my loan origination bank. The first request to the CEO which was more of an informative request. The second request for information followed the RESPA mandate for QWR OR RFI, SunTrust chose to respond to the CEO letter and did not follow the guidelines of acknowleding my QWR/RFI within the stated timeframes. Further more SunTrust is denying my right to what they reflect as the loan origination documents prepared by former SunTrust broker for my loan. SUNTRUST states my request should go to my servicer. My Servicer sends copies of documents that never address what I need. The unanswered question is why neither SunTrust or XXXX wants to provide what they now have as the originational loan documents prepared by the broker and what was used to qualify me for the mortgage. SunTrust prepared a response to me based on my letters and conversations with them. The copies of the documents I they have will help in bring this complaint to a close. 
This is a repeated request for information regarding the original loan documents, file. Not limited to the application, credit report, approval notice, amount approved for type of loan, request for personal references, job letter, pay stubs verifying income. All supporting documents used to qualify me for the loan.