davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

This charge account was set up without my knowledge. I have call them and explained the situation but it still remains on my report. Account info:

SYNCB/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CHARGE
ACCOUNT
Date Updated:  XX/XX/XXXX 
Payment Received: $  XXXX   Last Payment Made:  XX/XX/XXXX 
Original ChargeOff: $ XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   >Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX  for $ XXXX <
High Balance: High balance of $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $  XXXX   from   XXXX   XXXX  o  XX/XX/XXXX ; $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to   XXXX   
Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX       XXXX    XX/XX/XXXX  N ot mine and I have never been late. Please have  XXXX  and  XXXX  have this removed ASAP>
Consumer complaint received 2018-01-29
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: Asset Management Outsourcing, Inc. (GA)

I obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX  and XXXX reports immediately.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX stopped sending me statements since XXXX or XX/XX/ for reason unknown to me. I did not change my address or made such report. Sometime in XX/XX/ I tried to contact their customer service on two different occasions and gotten no where. I was concerned because I have been a victim of identity theft and thought maybe someone got a hold of my information. I like to mention that I have another Citi Card account where I receive my statements every month and I don't understand why the XXXX affiliate stopped sending me the statements. 
Now, all of a sudden they started sending me the statement only with a substantially higher amount than what I believe my balance should be and ruined my credit report. When I was receiving the statements, I have been paying consistently with no delayed payments. I stopped paying when they stopped sending me the statements because I do not know what the current bill was and the amount due each month. 
They are now harassing me with collection agency and, to my scare, I do not know how they gotten hold of my children 's phone numbers, they have been calling them and leaving messages chasing for me. 
If I owe something, I honor my debt, I just don't understand why they are doing this. 
They are now telling me that I owe {$6900.00} and to pay the total amount, which I can not afford.They also have placed a negative report on my credit report. I disagree with the amount and their unfair practice.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I got a LOWES credit card last year with the promotional offer of 0 % APR for the first 18 months. After making payments of over a year, I recently discovered that I was being charged a debt protection fee that I have zero knowledge of agreeing to. Over the past year, XXXX XXXX has been charging me up to {$74.00} a month for something A ) I didnt sign up for, and B ) dont qualify for since Im XXXX. 

The only thing I was able to do was to stop from having the charges continue moving forward by opting out. I dont get my years worth of paying this phony fee back. To say that I feel cheated is an understatement. 

XXXX XXXX should tell their borrowers that theyre charging their new customers a free each month for something they may not be aware of or ever be able to even benefit fit from. How is this even legal?
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2017-05-05
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: PELICAN CREDIT CO (MI)

XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.        XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX  and XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  -  XX/XX/XXXX   Pelican Auto Finance LLC-   XX/XX/XXXX   XXXX   XXXX  - XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX   Finance  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Bank  XXXX    XX/XX/XXXX  XX/XX/XXXX   Credit Union   XXXX    XX/XX/XXXX   XX/XX/XXXX   Credit Union
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 1 have enclosed copies of my state issued identification and social security number to validate my identity.

Regards,
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a COLLECTION opened at XXXX XXXX {$680.00} on XXXX COLLECTION opened at XXXX {$490.00} on XXXX COLLECTION opened at CREDIT COLL {$620.00} on XXXX COLLECTION opened at XXXX {$4600.00} on XXXX COLLECTION opened at XXXX XXXX XXXX {$910.00} on XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My Equifax report is showing a collection from XXXX XXXX regarding a debt allegedly opened on XX/XX/XXXX. However, the report also shows that the last payment was made on XX/XX/XXXX, which predates the account opening date. The collection itself was only reported on XX/XX/XXXX. 

Equifaxs website is not allowing me to dispute this entry online, and Im unable to find any information on how to dispute it by mail or other methods. In the meantime, I have already sent a " Debt Validation '' letter to XXXX via XXXX to request validation of the debt. As I understand it, XXXX is required to remove this item from my credit report while gathering the requested information. 

Can you advise on how I can move forward with this dispute with Equifax, or provide guidance on alternative ways to dispute this collection?
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NC)

XXXX   XXXX   XXXX  t Date   XXXX    31,2012 Amount   XXXX  This was taken to court. I had no idea the debt existed until I applied for a personal loan. I then contacted   XXXX   and that 's when I was told by them it was in collections and what it was actually for! Do I have any rights here? I was never notified of anything. I happened to stumble across it! They will not take a settlement or anything and even though I do not feel I am soley responsible for this debt I would like to rectify it.
Consumer complaint received 2024-10-22
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. (TX)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2017-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NY)

My daughter recently,   XX/XX/XXXX  , received an email that said she owed a payment of {$640.00}. She had been in school up until  XXXX    XXXX  , and thought that she had a 6 month grace period to begin payment.  Sallie Mae s aid that she had already used her 6 month period at an earlier date, when she left school, for medical reasons, and then returned. I was under the assumption that payments would not start until 6 months after  XXXX    XXXX  , when her semester ended. I had no idea that there was only 1 grace period allowed and would like to know if that is true, and if so would like to see where it states. This was also the first time that she had seen a email from  Sallie Mae  since  XXXX . She and I went back through all deleted emails and current inbox. We then went to the spam email and there were three other emails in there from  Sallie Mae . If they sent them, and obviously they did, the emails went to spam email. I have also, back in  XXXX , sent a letter to the attorney generals office of NY because of this company not putting payments on the proper loans, and over charging on fees, not allowing me to speak to a manager, rude customer service to young adults, and not helping in any way to avoid default ; saying they had no other options available to her for repayment. Because of this investigation SallieMae had to go back into her accounts and make several changes to my account so forgive me if I dont have the confidence in this company. This company also never, ever, even responded to the sample letter that my daughter sent them from your website. But they did want to know where I got it from though. I want to consolidate these loans, and get rid of  Sallie Mae , but now I think she will have to be up to date on payments with them, but since I thought there was a 6 month grace period, and cant possibly get that amount of money together within the next month ; now wont be able to consolidate either. I honestly still thought I was in a 6 month grace period, that was never ever clearly explained, and as I mentioned would like to see it. Other loans that she has with  XXXX   XXXX  do n't operate that way. And then not receiving the emails or any correspondence through the mail ; she never knew she was falling behind. Why would n't  Sallie Mae , after falling behind, after two months, send correspondence through the mail. It was made very clear in my letter to the Attorney  Generals Office  that I did not want anymore contact with them over the phone because of how rude and condescending they were on the phone. That i preferred email or " snailmail ''. Thoughts and suggestions greatly appreciated
Consumer complaint received 2024-08-29
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. (DC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.