davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/year> I became aware of a fraudulent credit card opened in my name by my own mother when I came in to visit her for the weekend. I found mail with my name from Capital One. She opened a fraudulent credit card in my name and got access to my online account, she has made payments on the account but recently stopped and this is how I found out. I have included a Identity Theft Report.
Consumer complaint received 2019-06-05
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: Experian Information Solutions Inc. (TN)

Experian reported a collection account. I contacted them to open a dispute. I contacted the company reporting the collection. Neither the collection agency, nor the original debt holder have any information on me in their system, yet Experian maintains the erroneous information after their 'dispute ' resolution. 
This is not my account, yet all of my real accounts are being affected by this drop in my credit score.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXXAccount Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, Account - XXXX XXXX XXXX has violated my rights 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 an account without my instructions.
Consumer complaint received 2024-10-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

On XX/XX/year> a collection was added to my credit report for XXXX in the amount of {$980.00}. I have contacted XXXX several times and could not get any answers as to what this was for.
Consumer complaint received 2023-10-03
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. (GA)

Citizens XXXX XXXX XXXX accounts on my experian credit Bankruptcy Bankruptcy Ive submitted valid verification of fraudulent accounts and these companies have not provided proof of these accounts nor validation of these fraudulent accounts. Ive submitted serval police reports and fraud report
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

Since my loans were transferred to NELNET the service and communication has been poor, inaccurate and unprofessional. Their website is not user friendly for payments. They will not reply to emails. Customer service on the phone takes 2-3 hours to get anyone on the phone. Their website is constantly down, errors, payment processing takes way too long. I would like to have my loans service by someone else, would that be possible? NELNET is an absolute nightmare to work with and deal with. One rep didnt even know about the president on ramp program. They have not continuity of what they say, or document each interaction. This is frustrating and unacceptable for a company handling large amounts of money. Please do something and provide feedback for improvement or alternative. Their social media channel are useless, because they have a generic answer and never call back. Im tired of this level of service.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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. 
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 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 2023-06-07
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (TX)

On XX/XX/XXXX, I submitted disputes for fraudulent charges for a company called XXXX on my account. On these charges it has listed a phone number of XXXX which is clearly an invalid phone number which is also pictured in the receipt provided by Discover. Originally Discover sent me notices telling me the fraudulent charges were deemed an error and the credit was permanent. Later I receive a letter as of today XX/XX/XXXX telling me the same reasons of the other fraudulent charges denial. Inconsistent information provided during investigation - only spoke to Discover once on these charges. Second reason was transactions do not indicate fraud and third reason was transaction is going towards a service or account that benefits the account holder. I called Discover to ask for documentation proof of account or service benefiting account holder and documents used Discover sent back a receipt that shows the XXXX phone number but it doesnt show a signature. It also does not show that I benefitted from this company. In fact I contacted the merchant first to let them know someone had stolen my information and the same day reported it to Discover also. I have not done business with this merchant ever in the past, and I have not received any funds or service from this merchant. I did not agree to their terms, and I did not sign any receipts or agree to purchase any service from this company. The company agreed it was fraud and yet Discover is now stating they will be deducting the credits from my account XX/XX/XXXX based on the receipt they got from the merchant. All the receipt shows is the card number. No signature and no proof of these transactions EVER being authorized. Im not even sure what this company is but it seems like a scam site. My card number was never provided to This company. Discover did not provide sufficient evidence stating these transactions benefited or were authorized by card holder. A receipt that is not signed showing the last 4 of the card does not Indicate these were authorized at any point. I did not receive funds from fortuneco and I did not sign up for any service with their company. This is true fraud and Discover provided proof I didnt authorize these but yet provide false denial reasons to side with the merchant. Holding the customer responsible for FRAUD. I have attached the receipt along with an email sent to this merchant advising of the fraud. This should be investigated and the merchant should be responsible for fraudulently charging my acct.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have not validated or accurately reported my credit history or the subsequent information. Hence, I am invoking my consumer rights to demand that only factually accurate, verifiable, and compliant data be collected and reflected in my credit report. Additionally, I insist that any errors be corrected permanently without delay. 
Furthermore, I request an investigation into the origins of each account to ensure that every creditor has a valid reason for all inquiries on my credit record. Listed below are the Accounts that are being challenged : XXXX XXXX XXXX - XXXX Please verify. - I do not recall ever being late on this - please remove this erroneous information you are reporting. 
XXXX XXXX XXXX - XXXX The purported delinquency and derogatory claims mentioned above are reported without the requisite and mandatory documentary evidence to substantiate their current and verifiable compliance with the accurate, timely, complete, and unquestionable reporting of negative information. Due to this deficiency, I respectfully request the immediate and complete removal of all aspects of the alleged negativity, in order to restore and uphold the ethical and legally mandated standards of consumer credit reporting practices. 
XXXX XXXX - XXXX This is also completely inaccurate. - This was Paid as agreed and should not be showing any derogatory information on my report. 
I would like to express my concern regarding the information presented above. I understand that the content has not been certified to meet any reporting standards and has not been verified or proven to be accurate, complete, or up-to-date. To ensure compliance with reporting obligations and consumer legislation, it is essential to have proper documentation. 
Moreover, I kindly request that any unsupported or incorrect material be removed from the data provided. The information supplied is insufficient, and it is crucial to have accurate and reliable data. 
XXXX XXXX - XXXX Please verify. - Here we go again - This was paid in full and this tradeline should have been removed from my report per promise of the creditor and yet you are still inaccurately reporting it. 
XXXX XXXX - XXXX I wish to address the reported delinquency and derogatory claims associated with the aforementioned account. 
It has come to my attention that the provided documentation fails to meet the necessary standards for certifiable compliance and factual accuracy, including physical verification and timeliness. Consequently, I respectfully request the immediate deletion of all negative aspects associated with this account to ensure adherence to ethical and lawful consumer credit reporting practices and the mandated standards thereof.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXX TO wHOM IT MAY CONCERN, I am having isues with addresses that do not belong to me showing up on my credit report. the folllowing address do not belong to me. Please delete inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX I would like my name and information to be remove from any and all promotional ad and insurance offers. Please OPT ME OUT. AND SEND ME A NEW UPDAYE CREDIT REPORT.
Consumer complaint received 2023-10-03
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. (NC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Duty pursuant to the FCRA, it is EQUIFAXs duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am witing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (SC)

I have been receiving robo phone calls almost every day for months about a debt. But, I don't have any debts and have never had any debts. The calls continue, though, and tell me I should call this number ( XXXX ) XXXX to contact XXXX XXXX. The last two recordings are dated XX/XX/XXXX and XX/XX/XXXX of 2020.
Consumer complaint received 2020-05-18
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. (FL)

To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2024-10-12
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. (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 2020-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have an issue dealing with a merchant on XXXX. I have attempted to resolve thie issue directly with the merchant and he refuses to respond. I was able to dispute some of the charges but not all of them due to them exceeding the 180 day mark. Now please read this part as it s important. There were payment installments made on one single invoice which is Invoice XXXX  from XXXX. Some of those charges can be disputed but others can not. Can you please dispute the entire invoice as it was only recently paid off back in XX/XX/XXXX? There are a few disputes already open so please refer to those.The total on the invoice is {$1300.00}. XXXX. 

XXXX and XXXX XXXX All of these charges are for the same product on the invoice which totals XXXX. These date back from XX/XX/XXXX to XX/XX/XXXX. 

I have attempted to dispute the transactions with Wells Fargo and they did not investigate. I have attempted to communicate with merchant with no response. Wells Fargo has helped me in the past with transactions and not sure why they are not helping me now.
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

I refinanced my auto loan from Ally Bank to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX issued the payoff check. It was sent on XXXX to ally financial. Ally financial is refusing to connect us to anyone in the XXXX payment processing center. They admitted that their payment research team is backlogged and they can't tell me where our payoff check is. We have been advised that their customer care group in the US is in a meeting and then 20 minutes later we were advised that they are closed. We have continued to get lies instead of straight answers and can not get anyone on the phone that can help us. They are sitting on a payoff for our loan and after 2 and 1/2 hours, we have to give up as we were placed on hold with no one answering again and we can't get answers on why they haven't applied our payoff but yet we are accruing interest. They have left our loan open even though the payoff has been sent and refuse to send to any department that can help.